In Krum, a typical home is worth $336,500 and typical rent is $1,974 a month. Compared with all of Denton County, the typical home value is 23% lower, typical rent is 14% higher, and the share of households that own their home is 10 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $307,743 to $328,782.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Krum is in Denton County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Denton County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Denton, the typical rent is $1,420: 28% less than in Krum ($1,974).
2
The typical home in Krum is worth $336,500,23% less than in Denton County as a whole ($437,200).
3
76% of households in Krum own their home, against 65% in Denton County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Krum
What homes there are in Krum, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Krum
Denton County
Texas
United States
Kind of home: Krum and its comparisons
Measure
Krum
Denton County
Texas
United States
Detached house
92%
69%
64%
61%
Attached house
Unreliable estimate
3%
3%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
22%
21%
19%
Mobile home
Unreliable estimate
2%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Krum: 92% of homes, more than in Denton County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Krum
Denton County
Texas
United States
Year built: Krum and its comparisons
Measure
Krum
Denton County
Texas
United States
Before 1960
Unreliable estimate
3%
12%
26%
1960–1979
Unreliable estimate
10%
21%
24%
1980–1999
20%
31%
28%
25%
2000–2009
37%
25%
18%
14%
2010 or later
31%
33%
21%
11%
In Krum, half of the homes were built before 2005; in Denton County, before 2003.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K31%
$300K–$500K52%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Krum and its comparisons
Measure
Krum
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
31%
$300K–$500K
52%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Krum and its comparisons
Measure
Krum
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,940 a month
Denton County: $2,676 a month
Without a mortgage
$839 a month
Denton County: $1,045 a month
Owners with a mortgage
87%
Denton County: 71%
Owning costs less in Krum: with a mortgage, the typical cost is $1,940 a month; in Denton County, $2,676. Without one, $839.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Krum+78%
Denton County+57%
Texas+65%
United States+53%
Typical rent
Krum+51%
Denton County+42%
Texas+34%
United States+33%
Typical household income
Krum+68%
Denton County+28%
Texas+27%
United States+29%
Change since 2015–2019: Krum and its comparisons
Measure
Krum
Denton County
Texas
United States
Typical home value
+78%
+57%
+65%
+53%
Typical rent
+51%
+42%
+34%
+33%
Typical household income
+68%
+28%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Krum rose 78%; in Denton County, it rose 57%.
Since 2015–2019, the typical rent in Krum rose 51%, more than in Denton County (42%).
To compare: typical income in Krum rose 68%; the home, +78%; the rent, +51%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Krum and its comparisons
Measure
Krum
Denton County
Texas
United States
Rental vacancy
Unreliable estimate
4.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.9%
4.8%
3.4%
People per household
3.07
2.68
2.69
2.53
Drive alone
77%
66%
71%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
17%
24%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 3.07 on average, against 2.68 in Denton County.
To get to work, 77% of workers in Krum drive alone; in Denton County, 66%.
Do the math
What would you pay each month for a home in Krum?
A typical home is tight for the typical income
We start with a typical home in Krum, worth $336,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Krum, which is $124,405 a year. For that payment to be 28% of income, a household would need to earn about $127,422 a year.
The calculator's FHA and conventional loan limits are those of all of Denton County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Krum. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $11,778 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,973
at 7.18% · 30 years
Loan amount
$330,405
Total interest
$475,375
Paid off in
November 2056
Includes $5,683 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,903 a month
Tight
$2,903 to $3,732 a month
Your payment · 29%
Hard
more than $3,732 a month
Compared with the typical household income in Krum ($124,405 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,238
Property tax
$446
Home insurance
$140
FHA mortgage insurance (MIP)
$149
You need at least $11,778 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $2,973; principal and interest $2,238.
The city and its county
Krum and Denton County
Krum is in Denton County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Krum
Map of Denton County, Texas, with Krum marked. Around it, the neighboring counties.
Krum
Denton County
Other cities with a page
Krum's own numbers
Typical home value
$336,500
Typical monthly rent
$1,974
Typical yearly household income
$124,405
Households that own their home
76%
Effective property tax rate
1.59%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Denton County
FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
0.8%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Denton County.
A typical home in Krum is worth $336,500: 23% below the county and 19% above Texas. With the typical household income in Krum ($124,405 a year), a typical home costs 2.7 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Krum2.7 years
Denton3.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Denton County
According to FHFA’s house price index, home prices in Denton County rose 101% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Denton County.
Yearly change in FHFA’s price index in Denton County, 2016 to 2025
2016: +9.9% +9.9% 2016
2017: +10.2% +10.2% 2017
2018: +7.0% +7.0% 2018
2019: +3.8% +3.8% 2019
2020: +2.6% +2.6% 2020
2021: +14.0% +14.0% 2021
2022: +21.4% +21.4% 2022
2023: +4.1% +4.1% 2023
2024: +2.0% +2.0% 2024
2025: −0.9% −0.9% 2025
Change in FHFA’s price index in Denton County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.9%
+0.8%
+2.9%
5 years (2020–2025)
+46%
+44%
+47%
10 years (2015–2025)
+101%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Krum next to Denton County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Krum$336,500
Denton$437,200
Texas$283,800
United States$332,700
Typical monthly rent
Krum$1,974
Denton$1,728
Texas$1,403
United States$1,413
Typical yearly household income
Krum$124,405
Denton$111,498
Texas$78,476
United States$80,734
See the full table
Krum next to Denton County and Texas
Measure
Krum
Denton County
Texas
U.S.
Typical home value
$336,500 ▼23% below the county
$437,200
$283,800
$332,700
Typical monthly rent
$1,974 ▲14% above the county
$1,728
$1,403
$1,413
Typical yearly household income
$124,405 ▲12% above the county
$111,498
$78,476
$80,734
Households that own their home
76% ▲10 points above the county
65%
63%
65%
Typical yearly property tax
$5,363 ▼24% below the county
$7,055
$4,232
$3,119
Effective property tax rate
1.59% ▼0.02 points below the county
1.61%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Denton County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Krum
For a typical $336,500 home in Krum, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Krum's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,973a month
Least cash to close
Down payment
$11,778
Cash to close
$21,873
Rate
7.18%
Mortgage insurance
FHA MIP · $149
Conventional, 5% down$2,911a month
Down payment
$16,825
Cash to close
$26,920
Rate
7.18%
Mortgage insurance
PMI · $160
Conventional, 20% down, no PMI$2,410a month
Down payment
$67,300
Cash to close
$77,395
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,721a month
Down payment
$50,475
Cash to close
$60,570
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Krum
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,973
$11,778
$330,405
7.18%
FHA MIP · $149
$21,873
580
Conventional, 5% down
$2,911
$16,825
$319,675
7.18%
PMI · $160
$26,920
620*
Conventional, 20% down, no PMI
$2,410
$67,300
$269,200
7.18%
None
$77,395
620*
ITIN, 15% down (example)
$2,721
$50,475
$286,025
8.18%
None
$60,570
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Krum is $1,974 a month: 14% above the county.
HUD publishes a fair market rent for all of Denton County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Denton County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,491
$28.67
$59,640
1 bedroom
$1,536
$29.54
$61,440
2 bedrooms
$1,807
$34.75
$72,280
3 bedrooms
$2,275
$43.75
$91,000
4 bedrooms
$2,892
$55.62
$115,680
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Krum
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Krum is in ZIP code 76249.
For 2 bedrooms it is $1,950: $143 more than the fair market rent for Denton County ($1,807).
Fair market rent by ZIP code and size in Krum, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76249
$1,610
$1,660
$1,950
$2,450
$3,120
ZIP code2 bd3 bd
76249 $1,950$2,450
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Krum when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Denton County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Krum or Denton County. The ones below are statewide in Texas: they work in Krum the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Krum or Denton County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Krum and all of Denton County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Krum?
The typical home value in Krum is $336,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Denton County it is $437,200.
How much does it cost to rent in Krum?
Typical rent in Krum is $1,974 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Denton County is $1,807.
What is the FHA loan limit in Krum?
Krum uses the FHA limit for all of Denton County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.
How much property tax do owners pay in Krum?
The typical homeowner in Krum pays $5,363 a year, according to the U.S. Census Bureau. That is 1.59% of the home’s value; in Denton County, the rate is 1.61%.
Where can I find free help to buy or rent in Krum?
We found no HUD-approved counseling agencies with an office in Denton County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
