In Lindale, a typical home is worth $272,800 and typical rent is $1,274 a month. Compared with all of Smith County, the typical home value is 13% higher and typical household income is 12% higher.
Typical home value from Zillow, September 2021 to September 2026: from $245,029 to $292,036.
Typical rent
$1,392a month
Typical rent from Zillow, March 2026 to September 2026: from $1,327 to $1,392.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lindale is in Smith 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 Smith County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Gilmer, the typical home value is $166,700: 39% less than in Lindale ($272,800).
2
Nearby, in Mineola, the typical rent is $931: 27% less than in Lindale ($1,274).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lindale
What homes there are in Lindale, 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
Lindale
Smith County
Texas
United States
Kind of home: Lindale and its comparisons
Measure
Lindale
Smith County
Texas
United States
Detached house
74%
68%
64%
61%
Attached house
Unreliable estimate
3%
3%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
13%
21%
19%
Mobile home
Unreliable estimate
11%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Lindale, 7 in 10 homes are single-family detached houses; in Smith County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lindale
Smith County
Texas
United States
Year built: Lindale and its comparisons
Measure
Lindale
Smith County
Texas
United States
Before 1960
Unreliable estimate
18%
12%
26%
1960–1979
22%
24%
21%
24%
1980–1999
25%
26%
28%
25%
2000–2009
25%
17%
18%
14%
2010 or later
21%
16%
21%
11%
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–$300K29%
$300K–$500K42%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lindale and its comparisons
Measure
Lindale
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
29%
$300K–$500K
42%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49951%
$1,500–$1,99933%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lindale and its comparisons
Measure
Lindale
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
51%
$1,500–$1,999
33%
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,714 a month
Smith County: $1,727 a month
Without a mortgage
$585 a month
Smith County: $630 a month
Owners with a mortgage
55%
Smith County: 53%
The typical cost for an owner with a mortgage in Lindale is $1,714 a month, near the figure in Smith County ($1,727).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lindale+87%
Smith County+52%
Texas+65%
United States+53%
Typical rent
LindaleNo clear change
Smith County+32%
Texas+34%
United States+33%
Typical household income
Lindale+41%
Smith County+31%
Texas+27%
United States+29%
Change since 2015–2019: Lindale and its comparisons
Measure
Lindale
Smith County
Texas
United States
Typical home value
+87%
+52%
+65%
+53%
Typical rent
No clear change
+32%
+34%
+33%
Typical household income
+41%
+31%
+27%
+29%
The typical home value in Lindale rose 87% since 2015–2019, more than in Smith County (52%).
Rent in Lindale moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lindale and its comparisons
Measure
Lindale
Smith County
Texas
United States
Rental vacancy
Unreliable estimate
17.4%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.9%
4.8%
3.4%
People per household
2.60
2.83
2.69
2.53
Drive alone
81%
78%
71%
69%
Carpool
Unreliable estimate
10%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
9%
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
Households in Lindale are smaller: 2.60 people on average; in Smith County, 2.83.
To get to work, 81% of workers in Lindale drive alone; in Smith County, 78%.
Do the math
What would you pay each month for a home in Lindale?
A typical home is tight for the typical income
We start with a typical home in Lindale, worth $272,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Lindale, which is $83,249 a year. For that payment to be 28% of income, a household would need to earn about $102,424 a year.
The calculator's FHA and conventional loan limits are those of all of Smith 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 Lindale. 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 $9,548 (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
$2,390
at 7.18% · 30 years
Loan amount
$267,859
Total interest
$385,386
Paid off in
November 2056
Includes $4,607 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,942 a month
Tight
$1,942 to $2,497 a month
Your payment · 34%
Hard
more than $2,497 a month
Compared with the typical household income in Lindale ($83,249 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,815
Property tax
$341
Home insurance
$114
FHA mortgage insurance (MIP)
$121
You need at least $9,548 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 $2,390; principal and interest $1,815.
The city and its county
Lindale and Smith County
Lindale is in Smith 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).
Lindale
Map of Smith County, Texas, with Lindale marked. Around it, the neighboring counties.
Lindale
Smith County
Other cities with a page
Lindale's own numbers
Typical home value
$272,800
Typical monthly rent
$1,274
Typical yearly household income
$83,249
Households that own their home
65%
Effective property tax rate
1.5%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Smith County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,277
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
0.9%
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 Smith County.
A typical home in Lindale is worth $272,800: 13% above the county and 4% below Texas. With the typical household income in Lindale ($83,249 a year), a typical home costs 3.3 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.
Lindale3.3 years
Smith3.2 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Smith County
According to FHFA’s house price index, home prices in Smith County rose 84% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Smith County.
Yearly change in FHFA’s price index in Smith County, 2016 to 2025
2016: +4.1% +4.1% 2016
2017: +4.1% +4.1% 2017
2018: +5.8% +5.8% 2018
2019: +4.1% +4.1% 2019
2020: +4.5% +4.5% 2020
2021: +12.6% +12.6% 2021
2022: +19.9% +19.9% 2022
2023: +7.3% +7.3% 2023
2024: +0.3% +0.3% 2024
2025: +1.9% +1.9% 2025
Change in FHFA’s price index in Smith County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+1.9%
+0.8%
+2.9%
5 years (2020–2025)
+48%
+44%
+47%
10 years (2015–2025)
+84%
+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
Lindale next to Smith 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
Lindale$272,800
Smith$240,700
Texas$283,800
United States$332,700
Typical monthly rent
Lindale$1,274
Smith$1,238
Texas$1,403
United States$1,413
Typical yearly household income
Lindale$83,249
Smith$74,192
Texas$78,476
United States$80,734
See the full table
Lindale next to Smith County and Texas
Measure
Lindale
Smith County
Texas
U.S.
Typical home value
$272,800 ▲13% above the county
$240,700
$283,800
$332,700
Typical monthly rent
$1,274 ▲3% above the county
$1,238
$1,403
$1,413
Typical yearly household income
$83,249 ▲12% above the county
$74,192
$78,476
$80,734
Households that own their home
65% ▼4 points below the county
69%
63%
65%
Typical yearly property tax
$4,098 ▲46% above the county
$2,804
$4,232
$3,119
Effective property tax rate
1.5% ▲0.34 points above the county
1.16%
1.49%
0.94%
Renters with high rent for their income
45% ▼3 points below the county
48%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Smith 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 Lindale
For a typical $272,800 home in Lindale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lindale's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,390a month
Least cash to close
Down payment
$9,548
Cash to close
$17,732
Rate
7.18%
Mortgage insurance
FHA MIP · $121
Conventional, 5% down$2,340a month
Down payment
$13,640
Cash to close
$21,824
Rate
7.18%
Mortgage insurance
PMI · $130
Conventional, 20% down, no PMI$1,933a month
Down payment
$54,560
Cash to close
$62,744
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,185a month
Down payment
$40,920
Cash to close
$49,104
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lindale
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,390
$9,548
$267,859
7.18%
FHA MIP · $121
$17,732
580
Conventional, 5% down
$2,340
$13,640
$259,160
7.18%
PMI · $130
$21,824
620*
Conventional, 20% down, no PMI
$1,933
$54,560
$218,240
7.18%
None
$62,744
620*
ITIN, 15% down (example)
$2,185
$40,920
$231,880
8.18%
None
$49,104
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 Lindale is $1,274 a month: 3% above the county. In Lindale, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Smith County, by unit size. To pay the 2-bedroom one ($1,277 a month) without spending more than 30% of your income, you would need to earn $24.56 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 Smith County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$948
$18.23
$37,920
1 bedroom
$1,041
$20.02
$41,640
2 bedrooms
$1,277
$24.56
$51,080
3 bedrooms
$1,718
$33.04
$68,720
4 bedrooms
$1,855
$35.67
$74,200
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 Lindale
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lindale has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,210 in 75706 to $1,410 in 75771.
1 of the 2 is above the fair market rent for Smith County ($1,277).
Fair market rent by ZIP code and size in Lindale, fiscal year 2027.
75706
$890
$990
$1,210
$1,620
$1,790
75771
$1,050
$1,150
$1,410
$1,900
$2,050
ZIP code2 bd3 bd
75706 $1,210$1,620
75771 $1,410$1,900
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lindale 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)
HUD lists 2 buildings with rents for lower incomes in Lindale. These are the largest.
Legacy Trails of Lindale15121 County Road 467, Lindale 7577176 homes, 64 low-income · 1 bd: 50 · 2 bd: 26 · For older adults, people with disabilities, families, people experiencing homelessness
Forest Trails1205-1271 Forest Trails Dr., 1305-1382 Hamilton DR., Lindale 7577160 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
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 Smith 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 Lindale or Smith County. The ones below are statewide in Texas: they work in Lindale 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 Lindale or Smith 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 Lindale and all of Smith 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 Lindale?
The typical home value in Lindale is $272,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Smith County it is $240,700.
How much does it cost to rent in Lindale?
Typical rent in Lindale is $1,274 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Smith County is $1,277.
What is the FHA loan limit in Lindale?
Lindale uses the FHA limit for all of Smith 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 Lindale?
The typical homeowner in Lindale pays $4,098 a year, according to the U.S. Census Bureau. That is 1.5% of the home’s value; in Smith County, the rate is 1.16%.
Where can I find free help to buy or rent in Lindale?
We found no HUD-approved counseling agencies with an office in Smith County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
