In Lakehills, a typical home is worth $259,000 and typical rent is $1,046 a month. Compared with all of Bandera County, typical household income is 19% higher and typical rent is 9% lower.
Lakehills is in Bandera County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Bandera County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Lakehills is $90,110,19% more than in Bandera County as a whole ($75,813).
2
Lakehills has the 35th highest homeownership rate of the 426 cities in Texas with more than 5,000 people (89%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lakehills
What homes there are in Lakehills, 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
Lakehills
Bandera County
Texas
United States
Kind of home: Lakehills and its comparisons
Measure
Lakehills
Bandera County
Texas
United States
Detached house
71%
67%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
26%
29%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Lakehills: 71% of homes, more than in Bandera County (67%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Lakehills
Bandera County
Texas
United States
Year built: Lakehills and its comparisons
Measure
Lakehills
Bandera County
Texas
United States
Before 1960
10%
10%
12%
26%
1960–1979
16%
12%
21%
24%
1980–1999
29%
32%
28%
25%
2000–2009
20%
26%
18%
14%
2010 or later
26%
20%
21%
11%
By age, homes in Lakehills look like those in Bandera County: the typical year built is 1998.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K17%
$100K–$200K11%
$200K–$300K31%
$300K–$500K31%
$500K–$750KUnreliable
FHA limit: $557,750
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lakehills and its comparisons
Measure
Lakehills
Under $100K
17%
$100K–$200K
11%
$200K–$300K
31%
$300K–$500K
31%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Bandera County is high ($557,750): at least 90% of owner-occupied homes in Lakehills are worth less than $500,000.
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: Lakehills and its comparisons
Measure
Lakehills
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,788 a month
Bandera County: $1,750 a month
Without a mortgage
$416 a month
Bandera County: $479 a month
Owners with a mortgage
58%
Bandera County: 44%
In Lakehills, 58% of owners have a mortgage; their typical cost is $1,788 a month, about the same as in Bandera County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lakehills+53%
Bandera County+60%
Texas+65%
United States+53%
Typical rent
LakehillsNo clear change
Bandera County+28%
Texas+34%
United States+33%
Typical household income
Lakehills+37%
Bandera County+29%
Texas+27%
United States+29%
Change since 2015–2019: Lakehills and its comparisons
Measure
Lakehills
Bandera County
Texas
United States
Typical home value
+53%
+60%
+65%
+53%
Typical rent
No clear change
+28%
+34%
+33%
Typical household income
+37%
+29%
+27%
+29%
The typical home value in Lakehills rose 53% since 2015–2019, less than in Bandera County (60%).
Since 2015–2019, the typical rent in Lakehills did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lakehills and its comparisons
Measure
Lakehills
Bandera County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
4.3%
4.8%
3.4%
People per household
2.57
2.34
2.69
2.53
Drive alone
84%
80%
71%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
10%
10%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.57 on average, against 2.34 in Bandera County.
In Lakehills, 84% of workers drive alone to work; in Bandera County, 80%.
Do the math
What would you pay each month for a home in Lakehills?
A typical home is tight for the typical income
We start with a typical home in Lakehills, worth $259,000, 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 Lakehills, which is $90,110 a year. For that payment to be 28% of income, a household would need to earn about $92,155 a year.
The calculator's FHA and conventional loan limits are those of all of Bandera 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 Lakehills. 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 $9,065 (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
$2,150
at 7.18% · 30 years
Loan amount
$254,309
Total interest
$365,891
Paid off in
November 2056
Includes $4,374 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,103 a month
Tight
$2,103 to $2,703 a month
Your payment · 29%
Hard
more than $2,703 a month
Compared with the typical household income in Lakehills ($90,110 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,723
Property tax
$205
Home insurance
$108
FHA mortgage insurance (MIP)
$115
You need at least $9,065 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 $2,150; principal and interest $1,723.
The city and its county
Lakehills and Bandera County
Lakehills is in Bandera 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).
Lakehills
Map of Bandera County, Texas, with Lakehills marked. Around it, the neighboring counties.
Lakehills
Bandera County
Other cities with a page
Lakehills's own numbers
Typical home value
$259,000
Typical monthly rent
$1,046
Typical yearly household income
$90,110
Households that own their home
89%
Effective property tax rate
0.95%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bandera County
FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,441
Price change over 5 years (FHFA)
+38%
Homes in a high flood-risk zone
8.1%
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 Bandera County.
A typical home in Lakehills is worth $259,000: 7% below the county and 9% below Texas. With the typical household income in Lakehills ($90,110 a year), a typical home costs 2.9 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.
Lakehills2.9 years
Bandera3.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Bandera County
According to FHFA’s house price index, home prices in Bandera County rose 79% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Bandera County.
Yearly change in FHFA’s price index in Bandera County, 2016 to 2025
2016: −0.4% −0.4% 2016
2017: +7.7% +7.7% 2017
2018: +7.7% +7.7% 2018
2019: +4.0% +4.0% 2019
2020: +7.9% +7.9% 2020
2021: +12.3% +12.3% 2021
2022: +20.9% +20.9% 2022
2023: +7.6% +7.6% 2023
2024: +1.2% +1.2% 2024
2025: −6.5% −6.5% 2025
Change in FHFA’s price index in Bandera County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−6.5%
+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
Lakehills next to Bandera 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
Lakehills$259,000
Bandera$278,400
Texas$283,800
United States$332,700
Typical monthly rent
Lakehills$1,046
Bandera$1,149
Texas$1,403
United States$1,413
Typical yearly household income
Lakehills$90,110
Bandera$75,813
Texas$78,476
United States$80,734
See the full table
Lakehills next to Bandera County and Texas
Measure
Lakehills
Bandera County
Texas
U.S.
Typical home value
$259,000 ▼7% below the county
$278,400
$283,800
$332,700
Typical monthly rent
$1,046 ▼9% below the county
$1,149
$1,403
$1,413
Typical yearly household income
$90,110 ▲19% above the county
$75,813
$78,476
$80,734
Households that own their home
89% ▲3 points above the county
86%
63%
65%
Typical yearly property tax
$2,462
$2,438
$4,232
$3,119
Effective property tax rate
0.95% ▲0.07 points above the county
0.88%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bandera 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 Lakehills
For a typical $259,000 home in Lakehills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lakehills's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,150a month
Least cash to close
Down payment
$9,065
Cash to close
$16,835
Rate
7.18%
Mortgage insurance
FHA MIP · $115
Conventional, 5% down$2,103a month
Down payment
$12,950
Cash to close
$20,720
Rate
7.18%
Mortgage insurance
PMI · $123
Conventional, 20% down, no PMI$1,717a month
Down payment
$51,800
Cash to close
$59,570
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,956a month
Down payment
$38,850
Cash to close
$46,620
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lakehills
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,150
$9,065
$254,309
7.18%
FHA MIP · $115
$16,835
580
Conventional, 5% down
$2,103
$12,950
$246,050
7.18%
PMI · $123
$20,720
620*
Conventional, 20% down, no PMI
$1,717
$51,800
$207,200
7.18%
None
$59,570
620*
ITIN, 15% down (example)
$1,956
$38,850
$220,150
8.18%
None
$46,620
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 Lakehills is $1,046 a month: 9% below the county.
HUD publishes a fair market rent for all of Bandera County, by unit size. To pay the 2-bedroom one ($1,441 a month) without spending more than 30% of your income, you would need to earn $27.71 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 Bandera County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,099
$21.13
$43,960
1 bedroom
$1,196
$23.00
$47,840
2 bedrooms
$1,441
$27.71
$57,640
3 bedrooms
$1,864
$35.85
$74,560
4 bedrooms
$2,163
$41.60
$86,520
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 Lakehills
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lakehills is in ZIP code 78063.
For 2 bedrooms it is $1,270: $171 less than the fair market rent for Bandera County ($1,441).
Fair market rent by ZIP code and size in Lakehills, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78063
$950
$1,050
$1,270
$1,620
$1,890
ZIP code2 bd3 bd
78063 $1,270$1,620
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lakehills 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 Bandera 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 Lakehills or Bandera County. The ones below are statewide in Texas: they work in Lakehills 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 Lakehills or Bandera 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 Lakehills and all of Bandera 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 Lakehills?
The typical home value in Lakehills is $259,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bandera County it is $278,400.
How much does it cost to rent in Lakehills?
Typical rent in Lakehills is $1,046 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bandera County is $1,441.
What is the FHA loan limit in Lakehills?
Lakehills uses the FHA limit for all of Bandera County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.
How much property tax do owners pay in Lakehills?
The typical homeowner in Lakehills pays $2,462 a year, according to the U.S. Census Bureau. That is 0.95% of the home’s value; in Bandera County, the rate is 0.88%.
Where can I find free help to buy or rent in Lakehills?
We found no HUD-approved counseling agencies with an office in Bandera County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
