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City · 27,974 residents · Brazoria County, Texas

Lake Jackson , Texas

In Lake Jackson, a typical home is worth $250,100 and typical rent is $1,478 a month. Compared with all of Brazoria County, the typical home value is 17% lower, typical household income is 7% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $250,100

    17% below the county

    12% below Texas

    • Lake Jackson
    • Brazoria
    • Texas

  • Typical rent

    $1,478a month

    About the same as the county

    5% above Texas

    • Lake Jackson
    • Brazoria
    • Texas

  • Typical household income

    $90,938a year

    7% below the county

    16% above Texas

    • Lake Jackson
    • Brazoria
    • Texas

  • Households that own their home

    62%

    12 points below the county

    1 points below Texas

    • Lake Jackson
    • Brazoria
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$270,466
0.5% more than 12 months ago
Typical rent
$1,402 a month
1.8% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Lake Jackson is in Brazoria County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Brazoria County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lake Jackson apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Freeport, the typical home value is $135,900: 46% less than in Lake Jackson ($250,100).

  2. Nearby, in Clute, the typical rent is $1,130: 24% less than in Lake Jackson ($1,478).

  3. 62% of households in Lake Jackson own their home, against 74% in Brazoria County.

  4. The typical home in Lake Jackson is worth $250,100, 17% less than in Brazoria County as a whole ($301,600).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Lake Jackson

What homes there are in Lake Jackson, 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

The detached house is still the most common home in Lake Jackson, but it weighs less than in Brazoria County: 67% against 73%.

Year built

The typical home in Lake Jackson was built in 1983, 13 years before the typical one in Brazoria County.

There are fewer big homes in Lake Jackson than in Brazoria County: 66% have 3 bedrooms or more, against 74%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,903 a month

Brazoria County: $2,331 a month

Without a mortgage

$790 a month

Brazoria County: $732 a month

Owners with a mortgage

52%

Brazoria County: 61%

In Lake Jackson, 52% of owners have a mortgage, and their typical cost is $1,903 a month, against $2,331 in Brazoria County. Without one it drops to $790.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Lake Jackson rose 35%; in Brazoria County, it rose 53%.

Rents in Lake Jackson rose more slowly than in Brazoria County: 21% since 2015–2019, against 27%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLake JacksonBrazoria CountyTexasUnited States
Rental vacancy Unreliable estimate12.0%7.7%5.5%
Homeowner vacancy Unreliable estimate1.1%1.1%0.9%
More than one person per room Unreliable estimate3.0%4.8%3.4%
People per household 2.602.822.692.53
Drive alone 86%80%71%69%
Carpool 6%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 6%11%14%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutes30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Lake Jackson has 2.60 people, fewer than in Brazoria County (2.82).

In Lake Jackson, 86% of workers drive alone to work; in Brazoria County, 80%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Lake Jackson?

A typical home is tight for the typical income

We start with a typical home in Lake Jackson, worth $250,100, 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 Lake Jackson, which is $90,938 a year. For that payment to be 28% of income, a household would need to earn about $94,080 a year.

The calculator's FHA and conventional loan limits are those of all of Brazoria County.

Your numbers

Local data
$

Starts at the typical home value in Lake Jackson. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,754 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,195

at 7.18% · 30 years

Loan amount
$245,570
Total interest
$353,317
Paid off in
November 2056

Includes $4,224 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,122 a month

  • Tight

    $2,122 to $2,728 a month

    Your payment · 29%

  • Hard

    more than $2,728 a month

Compared with the typical household income in Lake Jackson ($90,938 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,195
Principal & interest$1,664
Property tax$317
Home insurance$104
FHA mortgage insurance (MIP)$111

You need at least $8,754 for the down payment, plus closing costs.

Next step

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.

The city and its county

Lake Jackson and Brazoria County

Lake Jackson is in Brazoria 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).

Lake Jackson's own numbers

Typical home value
$250,100
Typical monthly rent
$1,478
Typical yearly household income
$90,938
Households that own their home
62%
Effective property tax rate
1.52%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Brazoria County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,319
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
22%

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 Brazoria County.

Everything about Brazoria County

Buying

Buying a home in Lake Jackson

A typical home in Lake Jackson is worth $250,100: 17% below the county and 12% below Texas. With the typical household income in Lake Jackson ($90,938 a year), a typical home costs 2.8 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.

  • Lake Jackson 2.8 years
  • Brazoria 3.1 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Brazoria County

According to FHFA’s house price index, home prices in Brazoria County rose 79% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Brazoria County.

Period County Texas U.S.
Last year (2025) +1.4% +0.8% +2.9%
5 years (2020–2025) +38% +44% +47%
10 years (2015–2025) +79% +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

Lake Jackson next to Brazoria 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
  • Lake Jackson $250,100
  • Brazoria $301,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Lake Jackson $1,478
  • Brazoria $1,454
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Lake Jackson $90,938
  • Brazoria $97,993
  • Texas $78,476
  • United States $80,734
See the full table
Lake Jackson next to Brazoria County and Texas
Measure Lake Jackson Brazoria County Texas U.S.
Typical home value $250,100 $301,600 $283,800 $332,700
Typical monthly rent $1,478 $1,454 $1,403 $1,413
Typical yearly household income $90,938 $97,993 $78,476 $80,734
Households that own their home 62% 74% 63% 65%
Typical yearly property tax $3,804 $5,001 $4,232 $3,119
Effective property tax rate 1.52% 1.66% 1.49% 0.94%
Renters with high rent for their income 46% 49% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Brazoria 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 Lake Jackson

For a typical $250,100 home in Lake Jackson, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lake Jackson's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,195a month

    Least cash to close
    Down payment
    $8,754
    Cash to close
    $16,257
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $111

  • Conventional, 5% down $2,149a month

    Down payment
    $12,505
    Cash to close
    $20,008
    Rate
    7.18%
    Mortgage insurance
    PMI · $119

  • Conventional, 20% down, no PMI $1,776a month

    Down payment
    $50,020
    Cash to close
    $57,523
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,008a month

    Down payment
    $37,515
    Cash to close
    $45,018
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Lake Jackson and for Brazoria County.

Property tax

Effective rate in Lake Jackson

1.52%of the home’s value each year

$3,804 a year for the typical owner in Lake Jackson.

  • Lake Jackson 1.52%
  • Brazoria 1.66%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Brazoria County

FEMA does not publish these numbers by city: they are for all of Brazoria County.

Homes in the high-risk zone
22%
26,528
Of those, with NFIP insurance
43%
County Texas U.S.
Homes in the high-risk zone 22% 4.1% 3.5%
Of those, with NFIP insurance 43% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lake Jackson

Typical rent in Lake Jackson is $1,478 a month: about the same as the county. In Lake Jackson, 46% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Brazoria County, by unit size. To pay the 2-bedroom one ($1,319 a month) without spending more than 30% of your income, you would need to earn $25.37 an hour working full time.

HUD fair market rent for all of Brazoria County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,021 $19.63 $40,840
1 bedroom $1,212 $23.31 $48,480
2 bedrooms $1,319 $25.37 $52,760
3 bedrooms $1,790 $34.42 $71,600
4 bedrooms $2,205 $42.40 $88,200

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 Lake Jackson

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lake Jackson has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,230 in 77515 to $1,350 in 77566.

1 of the 2 is above the fair market rent for Brazoria County ($1,319).

  • 77515 $1,230$1,660
  • 77566 $1,350$1,830

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lake Jackson 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Lake Jackson

HUD lists 3 buildings with rents for lower incomes in Lake Jackson. These are the largest.

  • Jackson Village Retirement Center 294 Abner Jackson Pkwy, Lake Jackson 77566 96 homes, 92 low-income · 1 bd: 65 · 2 bd: 31
  • Gateway at Lake Jackson 111 Loganberry St, Lake Jackson 77566 160 homes, 80 low-income · In service since 2002 · For families (979) 285-3777
  • Lake Jackson Manor 120 Garland Dr, Lake Jackson 77566 100 homes, 80 low-income · 1 bd: 50 · 2 bd: 50 · In service since 2006 · For older adults (979) 297-2500

See all 31 buildings in Brazoria County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lake Jackson

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 Brazoria County. The nearest ones are below; many serve by phone or online.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Lake Jackson

No down payment, repair or rent-help program on our list is for Lake Jackson or Brazoria County. The ones below are statewide in Texas: they work in Lake Jackson the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    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).

    Tax credit

    See the program Official page

Housing counselors near Lake Jackson

The HUD-approved agencies closest to the center of Lake Jackson, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Money Management International - Houston Call Center

    12603 Southwest Fwy Ste 450, Stafford · 41 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 232-9080

  • Money Management International Inc.

    12603 Southwest Fwy, Stafford · 41 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 232-9080

  • Tejano Center for Community Concerns

    1062 Fairmont Pkwy, Pasadena · 44 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (713) 640-3743

All counseling agencies in Texas

Help in Spanish near Lake Jackson

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Lake Jackson

HUD’s record names them for Lake Jackson or Brazoria County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Brazoria County Housing Authority, TX Section 8 vouchers (979) 864-1427

All housing agencies in Texas Source: HUD

Cities

Other cities in Brazoria County

These cities are also in Brazoria County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Brazoria County Housing in Texas

Nearby cities

The cities closest to Lake Jackson, with the typical home value.

Neighboring counties

If Brazoria County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Lake Jackson.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Lake Jackson

Short answers with the numbers for Lake Jackson and all of Brazoria 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 Lake Jackson?

The typical home value in Lake Jackson is $250,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Brazoria County it is $301,600.

How much does it cost to rent in Lake Jackson?

Typical rent in Lake Jackson is $1,478 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Brazoria County is $1,319.

What is the FHA loan limit in Lake Jackson?

Lake Jackson uses the FHA limit for all of Brazoria County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Lake Jackson?

The typical homeowner in Lake Jackson pays $3,804 a year, according to the U.S. Census Bureau. That is 1.52% of the home’s value; in Brazoria County, the rate is 1.66%.

Where can I find free help to buy or rent in Lake Jackson?

We found no HUD-approved counseling agencies with an office in Brazoria County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).