Español

Este sitio también está en español. Leer en español

City · 257,619 residents · Webb County, Texas

Laredo , Texas

In Laredo, a typical home is worth $193,500 and typical rent is $1,030 a month. Home values, rent and income are very close to those of all of Webb County.

WhatsApp

  • Typical home value

    $193,500

    About the same as the county

    32% below Texas

    • Laredo
    • Webb
    • Texas

  • Typical rent

    $1,030a month

    About the same as the county

    27% below Texas

    • Laredo
    • Webb
    • Texas

  • Typical household income

    $63,915a year

    About the same as the county

    19% below Texas

    • Laredo
    • Webb
    • Texas

  • Households that own their home

    64%

    1 points below the county

    1 points above Texas

    • Laredo
    • Webb
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$219,517
2% more than 12 months ago
Typical rent
$1,129 a month
1% more than 12 months ago

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

Laredo is in Webb 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 Webb County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Laredo apart

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

  1. Nearby, in Roma, the typical home value is $94,400: 51% less than in Laredo ($193,500).

  2. Nearby, in Crystal City, the typical rent is $518: 50% less than in Laredo ($1,030).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Laredo rose 2%; in Texas, it fell 1.4%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Laredo

What homes there are in Laredo, 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

As in Webb County, most homes in Laredo are detached houses (67%).

Year built

By age, homes in Laredo look like those in Webb County: the typical year built is 1997.

Much as in Webb County, 67% of homes in Laredo have 3 bedrooms or more.

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

The FHA loan limit for Webb County is $541,287, and about 96% of owner-occupied homes in Laredo are worth less than that.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Webb County is $1,157: about 59% of rents in Laredo are below it.

With a mortgage

$1,716 a month

Webb County: $1,707 a month

Without a mortgage

$601 a month

Webb County: $587 a month

Owners with a mortgage

54%

Webb County: 53%

The typical cost for an owner with a mortgage in Laredo is $1,716 a month, near the figure in Webb County ($1,707).

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

Much as in Webb County, the typical home value in Laredo rose 49% since 2015–2019.

Rents in Laredo rose at about the same pace as in Webb County: 21% since 2015–2019, against 22%.

The typical household income in Laredo rose 34% over that time; home values changed +49% and rent +21%.

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

MeasureLaredoWebb CountyTexasUnited States
Rental vacancy 8.5%8.7%7.7%5.5%
Homeowner vacancy 0.8%0.8%1.1%0.9%
More than one person per room 9.3%9.5%4.8%3.4%
People per household 3.263.282.692.53
Drive alone 79%79%71%69%
Carpool 12%12%10%9%
Public transit 1%1%1%3%
Walk or bike 1%1%2%3%
Work from home 6%6%14%15%
Other means 2%2%2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Laredo, the rental vacancy rate is 8.5%, about the same as in Webb County.

More than one person per room: that is how 9.3% of households in Laredo live, near the figure in Webb County (9.5%).

A household in Laredo has 3.26 people on average, about the same as in Webb County (3.28).

The car rules in Laredo: 79% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Laredo?

A typical home is tight for the typical income

We start with a typical home in Laredo, worth $193,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Laredo, which is $63,915 a year. For that payment to be 28% of income, a household would need to earn about $74,862 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Laredo. 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 $6,773 (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

$1,747

at 7.18% · 30 years

Loan amount
$189,995
Total interest
$273,358
Paid off in
November 2056

Includes $3,268 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,491 a month

  • Tight

    $1,491 to $1,917 a month

    Your payment · 33%

  • Hard

    more than $1,917 a month

Compared with the typical household income in Laredo ($63,915 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,747
Principal & interest$1,287
Property tax$294
Home insurance$81
FHA mortgage insurance (MIP)$86

You need at least $6,773 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

Laredo and Webb County

Laredo is in Webb 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).

Laredo's own numbers

Typical home value
$193,500
Typical monthly rent
$1,030
Typical yearly household income
$63,915
Households that own their home
64%
Effective property tax rate
1.82%

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

Numbers for all of Webb County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,157
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
3.9%

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 Webb County.

Everything about Webb County

Buying

Buying a home in Laredo

A typical home in Laredo is worth $193,500: about the same as the county and 32% below Texas. With the typical household income in Laredo ($63,915 a year), a typical home costs 3.0 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.

  • Laredo 3.0 years
  • Webb 3.0 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Webb County

According to FHFA’s house price index, home prices in Webb County rose 67% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +2.5% +0.8% +2.9%
5 years (2020–2025) +42% +44% +47%
10 years (2015–2025) +67% +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

Laredo next to Webb 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
  • Laredo $193,500
  • Webb $189,900
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Laredo $1,030
  • Webb $1,027
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Laredo $63,915
  • Webb $63,058
  • Texas $78,476
  • United States $80,734
See the full table
Laredo next to Webb County and Texas
Measure Laredo Webb County Texas U.S.
Typical home value $193,500 $189,900 $283,800 $332,700
Typical monthly rent $1,030 $1,027 $1,403 $1,413
Typical yearly household income $63,915 $63,058 $78,476 $80,734
Households that own their home 64% 65% 63% 65%
Typical yearly property tax $3,531 $3,421 $4,232 $3,119
Effective property tax rate 1.82% 1.8% 1.49% 0.94%
Renters with high rent for their income 55% 55% 52% 51%

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

For a typical $193,500 home in Laredo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laredo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,747a month

    Least cash to close
    Down payment
    $6,773
    Cash to close
    $12,578
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $86

  • Conventional, 5% down $1,711a month

    Down payment
    $9,675
    Cash to close
    $15,480
    Rate
    7.18%
    Mortgage insurance
    PMI · $92

  • Conventional, 20% down, no PMI $1,423a month

    Down payment
    $38,700
    Cash to close
    $44,505
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,602a month

    Down payment
    $29,025
    Cash to close
    $34,830
    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 Laredo and for Webb County.

Property tax

Effective rate in Laredo

1.82%of the home’s value each year

$3,531 a year for the typical owner in Laredo.

  • Laredo 1.82%
  • Webb 1.8%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Webb County

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

Homes in the high-risk zone
3.9%
2,733
Of those, with NFIP insurance
15%
County Texas U.S.
Homes in the high-risk zone 3.9% 4.1% 3.5%
Of those, with NFIP insurance 15% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Laredo

Typical rent in Laredo is $1,030 a month: about the same as the county. In Laredo, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Webb County, by unit size. To pay the 2-bedroom one ($1,157 a month) without spending more than 30% of your income, you would need to earn $22.25 an hour working full time.

HUD fair market rent for all of Webb 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 $949 $18.25 $37,960
1 bedroom $955 $18.37 $38,200
2 bedrooms $1,157 $22.25 $46,280
3 bedrooms $1,512 $29.08 $60,480
4 bedrooms $1,558 $29.96 $62,320

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 Laredo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Laredo has 4 ZIP codes with their own.

For 2 bedrooms it runs from $1,140 in 78040 to $1,570 in 78045.

3 of the 4 are above the fair market rent for Webb County ($1,157).

  • 78040 $1,140$1,490
  • 78041 $1,170$1,530
  • 78045 $1,570$2,050
  • 78046 $1,180$1,540

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Laredo 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 Laredo

HUD lists 21 buildings with rents for lower incomes in Laredo. These are the largest.

  • Colonia Guadalupe 314 Park St, Laredo 78040 272 homes, 271 low-income · Run by Housing Authority of the City of Laredo · Average payment: $393 a month · Average wait: 26 months (956) 722-4521
  • Springfield Acres 2802 Santa Maria Ave, Laredo 78040 226 low-income homes · Run by Housing Authority of the City of Laredo · Average payment: $450 a month · Average wait: 24 months (956) 722-4521
  • Casa Verde Apartments East Side of the 8600 Block of Casa Verde Road, Laredo 78041 152 homes, 138 low-income
  • Laredo Vista I 5606 Saint David, Laredo 78046 160 homes, 136 low-income · In service since 2003
  • Meadow Housing Phase II 1637 E Elm Loop, Laredo 78043 134 low-income homes · Run by Housing Authority of the City of Laredo · Average payment: $528 a month · Average wait: 32 months (956) 722-4521

See all 21 buildings in Webb County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Laredo

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.

There is 1 HUD-approved agency with an office in Webb County; 1 says it serves in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Laredo

No down payment, repair or rent-help program on our list is for Laredo or Webb County. The ones below are statewide in Texas: they work in Laredo 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 Laredo

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

  • Laredo-Webb Neighborhood Housing Services

    216 Bob Bullock Loop, Laredo · 5 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (956) 712-9100

  • Affordable Homes of South Texas, Inc.

    1420 Erie Ave, McAllen · 122 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 6 more
    (956) 687-6263

  • Neighborhood Housing Services of San Antonio

    851 Steves Ave, San Antonio · 141 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (210) 533-6673

Every agency in Webb County All counseling agencies in Texas

Help in Spanish near Laredo

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 Laredo

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

  • Housing Authority of the City of Laredo Public housing and Section 8 vouchers (956) 722-4521

All housing agencies in Texas Source: HUD

Cities

Nearby cities

The cities closest to Laredo, with the typical home value.

Everything about Webb County Housing in Texas

Neighboring counties

If Webb 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 Laredo.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Laredo

Short answers with the numbers for Laredo and all of Webb 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 Laredo?

The typical home value in Laredo is $193,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Webb County it is $189,900.

How much does it cost to rent in Laredo?

Typical rent in Laredo is $1,030 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Webb County is $1,157.

What is the FHA loan limit in Laredo?

Laredo uses the FHA limit for all of Webb 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 Laredo?

The typical homeowner in Laredo pays $3,531 a year, according to the U.S. Census Bureau. That is 1.82% of the home’s value; in Webb County, the rate is 1.8%.

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

There is 1 HUD-approved counseling agency with an office in Webb County. 1 says it serves in Spanish. 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).