In Lockhart, a typical home is worth $251,600 and typical rent is $1,152 a month. Compared with all of Caldwell County, the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $273,689 to $270,016.
Typical rent
$1,712a month
Typical rent from Zillow, March 2026 to September 2026: from $1,706 to $1,712.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lockhart is in Caldwell County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Caldwell County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Lockhart fell 5.4%; in Texas, it fell 1.4%.
2
Nearby, in Luling, the typical home value is $210,300: 16% less than in Lockhart ($251,600).
3
67% of households in Lockhart own their home, against 75% in Caldwell County.
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Lockhart
What homes there are in Lockhart, 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
Lockhart
Caldwell County
Texas
United States
Kind of home: Lockhart and its comparisons
Measure
Lockhart
Caldwell County
Texas
United States
Detached house
69%
61%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
12%
8%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
6%
25%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Lockhart: 69% of homes, more than in Caldwell County (61%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Lockhart
Caldwell County
Texas
United States
Year built: Lockhart and its comparisons
Measure
Lockhart
Caldwell County
Texas
United States
Before 1960
23%
16%
12%
26%
1960–1979
17%
18%
21%
24%
1980–1999
26%
28%
28%
25%
2000–2009
22%
19%
18%
14%
2010 or later
13%
19%
21%
11%
In Lockhart, half of the homes were built before 1986; in Caldwell County, before 1991.
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 $100K18%
$100K–$200K15%
$200K–$300K34%
$300K–$500K30%
$500K–$750KUnreliable
FHA limit: $571,550
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lockhart and its comparisons
Measure
Lockhart
Under $100K
18%
$100K–$200K
15%
$200K–$300K
34%
$300K–$500K
30%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 96% of owner-occupied homes in Lockhart are worth less than $500,000, below the FHA loan limit for Caldwell County ($571,550).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99931%
$1,000–$1,49944%
$1,500–$1,99918%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lockhart and its comparisons
Measure
Lockhart
Under $500
Unreliable estimate
$500–$999
31%
$1,000–$1,499
44%
$1,500–$1,999
18%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,689 a month
Caldwell County: $1,678 a month
Without a mortgage
$621 a month
Caldwell County: $576 a month
Owners with a mortgage
46%
Caldwell County: 49%
In Lockhart, 46% of owners have a mortgage; their typical cost is $1,689 a month, about the same as in Caldwell County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lockhart+78%
Caldwell County+66%
Texas+65%
United States+53%
Typical rent
Lockhart+18%
Caldwell County+28%
Texas+34%
United States+33%
Typical household income
Lockhart+23%
Caldwell County+29%
Texas+27%
United States+29%
Change since 2015–2019: Lockhart and its comparisons
Measure
Lockhart
Caldwell County
Texas
United States
Typical home value
+78%
+66%
+65%
+53%
Typical rent
+18%
+28%
+34%
+33%
Typical household income
+23%
+29%
+27%
+29%
Since 2015–2019, homes in Lockhart gained value faster than in Caldwell County: 78% against 66%.
Rents in Lockhart rose more slowly than in Caldwell County: 18% since 2015–2019, against 28%.
While home values in Lockhart changed +78% and rent +18%, the typical household income rose 23%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lockhart and its comparisons
Measure
Lockhart
Caldwell 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
5.4%
4.8%
3.4%
People per household
2.51
2.74
2.69
2.53
Drive alone
78%
77%
71%
69%
Carpool
8%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
10%
10%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Lockhart has 2.51 people, fewer than in Caldwell County (2.74).
To get to work, 78% of workers in Lockhart drive alone; in Caldwell County, 77%.
Do the math
What would you pay each month for a home in Lockhart?
A typical home costs more than the typical income allows
We start with a typical home in Lockhart, worth $251,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Lockhart, which is $68,400 a year. For that payment to be 28% of income, a household would need to earn about $95,363 a year.
The calculator's FHA and conventional loan limits are those of all of Caldwell 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 Lockhart. 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 $8,806 (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
$2,225
at 7.18% · 30 years
Loan amount
$247,043
Total interest
$355,437
Paid off in
November 2056
Includes $4,249 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,596 a month
Tight
$1,596 to $2,052 a month
Hard
more than $2,052 a month
Your payment · 39%
Compared with the typical household income in Lockhart ($68,400 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,674
Property tax
$336
Home insurance
$105
FHA mortgage insurance (MIP)
$111
You need at least $8,806 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 $2,225; principal and interest $1,674.
The city and its county
Lockhart and Caldwell County
Lockhart is in Caldwell 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).
Lockhart
Map of Caldwell County, Texas, with Lockhart marked. Around it, the neighboring counties.
Lockhart
Caldwell County
Other cities with a page
Lockhart's own numbers
Typical home value
$251,600
Typical monthly rent
$1,152
Typical yearly household income
$68,400
Households that own their home
67%
Effective property tax rate
1.6%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Caldwell County
FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
3.8%
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 Caldwell County.
A typical home in Lockhart is worth $251,600: 5% above the county and 11% below Texas. With the typical household income in Lockhart ($68,400 a year), a typical home costs 3.7 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.
Lockhart3.7 years
Caldwell3.4 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Caldwell County
According to FHFA’s house price index, home prices in Caldwell County rose 120% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Caldwell County.
Yearly change in FHFA’s price index in Caldwell County, 2016 to 2025
2016: +9.4% +9.4% 2016
2017: +12.1% +12.1% 2017
2018: +6.8% +6.8% 2018
2019: +6.6% +6.6% 2019
2020: +3.5% +3.5% 2020
2021: +19.1% +19.1% 2021
2022: +24.4% +24.4% 2022
2023: +3.1% +3.1% 2023
2024: +1.7% +1.7% 2024
2025: −2.4% −2.4% 2025
Change in FHFA’s price index in Caldwell County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−2.4%
+0.8%
+2.9%
5 years (2020–2025)
+52%
+44%
+47%
10 years (2015–2025)
+120%
+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
Lockhart next to Caldwell 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
Lockhart$251,600
Caldwell$240,500
Texas$283,800
United States$332,700
Typical monthly rent
Lockhart$1,152
Caldwell$1,173
Texas$1,403
United States$1,413
Typical yearly household income
Lockhart$68,400
Caldwell$69,758
Texas$78,476
United States$80,734
See the full table
Lockhart next to Caldwell County and Texas
Measure
Lockhart
Caldwell County
Texas
U.S.
Typical home value
$251,600 ▲5% above the county
$240,500
$283,800
$332,700
Typical monthly rent
$1,152
$1,173
$1,403
$1,413
Typical yearly household income
$68,400
$69,758
$78,476
$80,734
Households that own their home
67% ▼8 points below the county
75%
63%
65%
Typical yearly property tax
$4,022 ▲24% above the county
$3,235
$4,232
$3,119
Effective property tax rate
1.6% ▲0.25 points above the county
1.35%
1.49%
0.94%
Renters with high rent for their income
51% ▲5 points above the county
46%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Caldwell 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 Lockhart
For a typical $251,600 home in Lockhart, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lockhart's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,225a month
Least cash to close
Down payment
$8,806
Cash to close
$16,354
Rate
7.18%
Mortgage insurance
FHA MIP · $111
Conventional, 5% down$2,179a month
Down payment
$12,580
Cash to close
$20,128
Rate
7.18%
Mortgage insurance
PMI · $120
Conventional, 20% down, no PMI$1,804a month
Down payment
$50,320
Cash to close
$57,868
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,036a month
Down payment
$37,740
Cash to close
$45,288
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lockhart
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,225
$8,806
$247,043
7.18%
FHA MIP · $111
$16,354
580
Conventional, 5% down
$2,179
$12,580
$239,020
7.18%
PMI · $120
$20,128
620*
Conventional, 20% down, no PMI
$1,804
$50,320
$201,280
7.18%
None
$57,868
620*
ITIN, 15% down (example)
$2,036
$37,740
$213,860
8.18%
None
$45,288
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 Lockhart is $1,152 a month: about the same as the county. In Lockhart, 51% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Caldwell County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 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 Caldwell County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,447
$27.83
$57,880
1 bedroom
$1,530
$29.42
$61,200
2 bedrooms
$1,817
$34.94
$72,680
3 bedrooms
$2,292
$44.08
$91,680
4 bedrooms
$2,689
$51.71
$107,560
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 Lockhart
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lockhart is in ZIP code 78644.
For 2 bedrooms it is $1,670: $147 less than the fair market rent for Caldwell County ($1,817).
Fair market rent by ZIP code and size in Lockhart, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78644
$1,330
$1,410
$1,670
$2,120
$2,490
ZIP code2 bd3 bd
78644 $1,670$2,120
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lockhart 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 8 buildings with rents for lower incomes in Lockhart. These are the largest.
UnnamedLockhart 7864498 low-income homes · Run by Lockhart Housing Authority · Average payment: $477 a month · Average wait: 31 months · Homes at several sites(512) 398-2715
Southpark Village Apts1825 S Colorado St, Lockhart 7864472 low-income homes · 2 bd: 32 · 3 bd: 40 · In service since 2002
Lockhart SpringsNec of Hwy 130 and Borchert Loop, Lockhart 7864448 homes, 40 low-income · For older adults, people with disabilities, families, people experiencing homelessness
Meadow Park Village1200 Meadow Park, Lockhart 7864436 low-income homes · For older adults(512) 398-6592
Springfield Villas1300 Pancho St, Lockhart 7864432 low-income homes · 2 bd: 8 · 3 bd: 16 · 4 bd: 8 · In service since 1999
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 Caldwell 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 Lockhart or Caldwell County. The ones below are statewide in Texas: they work in Lockhart 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 Lockhart or Caldwell 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 Lockhart and all of Caldwell 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 Lockhart?
The typical home value in Lockhart is $251,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Caldwell County it is $240,500.
How much does it cost to rent in Lockhart?
Typical rent in Lockhart is $1,152 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Caldwell County is $1,817.
What is the FHA loan limit in Lockhart?
Lockhart uses the FHA limit for all of Caldwell County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.
How much property tax do owners pay in Lockhart?
The typical homeowner in Lockhart pays $4,022 a year, according to the U.S. Census Bureau. That is 1.6% of the home’s value; in Caldwell County, the rate is 1.35%.
Where can I find free help to buy or rent in Lockhart?
We found no HUD-approved counseling agencies with an office in Caldwell County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
