In Los Fresnos, a typical home is worth $152,200 and typical rent is $989 a month. Compared with all of Cameron County, typical household income is 18% higher and the typical home value is 12% higher.
Typical home value from Zillow, September 2021 to September 2026: from $172,900 to $220,499.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Los Fresnos is in Cameron 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 Cameron County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Cameron Park, the typical home value is $74,800: 51% less than in Los Fresnos ($152,200).
2
Nearby, in Port Isabel, the typical rent is $748: 24% less than in Los Fresnos ($989).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Los Fresnos rose 2.4%; in Texas, it fell 1.4%.
4
The typical household income in Los Fresnos is $61,938,18% more than in Cameron County as a whole ($52,601).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Los Fresnos
What homes there are in Los Fresnos, 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
Los Fresnos
Cameron County
Texas
United States
Kind of home: Los Fresnos and its comparisons
Measure
Los Fresnos
Cameron County
Texas
United States
Detached house
77%
65%
64%
61%
Attached house
Unreliable estimate
3%
3%
6%
Building of 2 to 4
Unreliable estimate
8%
5%
8%
Apartments (5 or more)
Unreliable estimate
14%
21%
19%
Mobile home
Unreliable estimate
11%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
The detached house rules in Los Fresnos: 77% of homes, more than in Cameron County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Los Fresnos
Cameron County
Texas
United States
Year built: Los Fresnos and its comparisons
Measure
Los Fresnos
Cameron County
Texas
United States
Before 1960
Unreliable estimate
10%
12%
26%
1960–1979
21%
20%
21%
24%
1980–1999
24%
32%
28%
25%
2000–2009
22%
21%
18%
14%
2010 or later
28%
16%
21%
11%
Here half of the homes date from 1999 or later; in Cameron County, from 1992 or later.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K22%
$100K–$200K44%
$200K–$300K17%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Los Fresnos and its comparisons
Measure
Los Fresnos
Under $100K
22%
$100K–$200K
44%
$200K–$300K
17%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49933%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Los Fresnos and its comparisons
Measure
Los Fresnos
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
33%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,589 a month
Cameron County: $1,449 a month
Without a mortgage
$555 a month
Cameron County: $481 a month
Owners with a mortgage
57%
Cameron County: 39%
Owning costs more in Los Fresnos: with a mortgage, the typical cost is $1,589 a month; in Cameron County, $1,449. Without one, $555.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Los Fresnos+44%
Cameron County+59%
Texas+65%
United States+53%
Typical rent
Los FresnosNo clear change
Cameron County+24%
Texas+34%
United States+33%
Typical household income
Los FresnosNo clear change
Cameron County+36%
Texas+27%
United States+29%
Change since 2015–2019: Los Fresnos and its comparisons
Measure
Los Fresnos
Cameron County
Texas
United States
Typical home value
+44%
+59%
+65%
+53%
Typical rent
No clear change
+24%
+34%
+33%
Typical household income
No clear change
+36%
+27%
+29%
Homes in Los Fresnos gained value more slowly than in Cameron County: 44% since 2015–2019, against 59%.
The typical rent in Los Fresnos stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Los Fresnos and its comparisons
Measure
Los Fresnos
Cameron County
Texas
United States
Rental vacancy
Unreliable estimate
5.5%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.4%
1.1%
0.9%
More than one person per room
Unreliable estimate
9.9%
4.8%
3.4%
People per household
3.50
3.05
2.69
2.53
Drive alone
77%
76%
71%
69%
Carpool
Unreliable estimate
12%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
9%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
20 to 29 minutes
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
On average, a household in Los Fresnos has 3.50 people, more than in Cameron County (3.05).
To get to work, 77% of workers in Los Fresnos drive alone; in Cameron County, 76%.
Do the math
What would you pay each month for a home in Los Fresnos?
A typical home is within reach of the typical income
We start with a typical home in Los Fresnos, worth $152,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 27% of the typical household income in Los Fresnos, which is $61,938 a year.
The calculator's FHA and conventional loan limits are those of all of Cameron 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 Los Fresnos. 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 $5,327 (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
$1,378
at 7.18% · 30 years
Loan amount
$149,443
Total interest
$215,014
Paid off in
November 2056
Includes $2,570 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,445 a month
Your payment · 27%
Tight
$1,445 to $1,858 a month
Hard
more than $1,858 a month
Compared with the typical household income in Los Fresnos ($61,938 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,012
Property tax
$235
Home insurance
$63
FHA mortgage insurance (MIP)
$67
You need at least $5,327 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 $1,378; principal and interest $1,012.
The city and its county
Los Fresnos and Cameron County
Los Fresnos is in Cameron 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).
Los Fresnos
Map of Cameron County, Texas, with Los Fresnos marked. Around it, the neighboring counties.
Los Fresnos
Cameron County
Other cities with a page
Los Fresnos's own numbers
Typical home value
$152,200
Typical monthly rent
$989
Typical yearly household income
$61,938
Households that own their home
62%
Effective property tax rate
1.85%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cameron County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,042
Price change over 5 years (FHFA)
+55%
Homes in a high flood-risk zone
9.5%
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 Cameron County.
A typical home in Los Fresnos is worth $152,200: 12% above the county and 46% below Texas. With the typical household income in Los Fresnos ($61,938 a year), a typical home costs 2.5 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.
Los Fresnos2.5 years
Cameron2.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cameron County
According to FHFA’s house price index, home prices in Cameron County rose 81% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cameron County.
Yearly change in FHFA’s price index in Cameron County, 2016 to 2025
2016: +0.6% +0.6% 2016
2017: +3.6% +3.6% 2017
2018: +2.2% +2.2% 2018
2019: +4.8% +4.8% 2019
2020: +4.7% +4.7% 2020
2021: +12.0% +12.0% 2021
2022: +18.5% +18.5% 2022
2023: +11.8% +11.8% 2023
2024: +4.4% +4.4% 2024
2025: +0.1% +0.1% 2025
Change in FHFA’s price index in Cameron County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.1%
+0.8%
+2.9%
5 years (2020–2025)
+55%
+44%
+47%
10 years (2015–2025)
+81%
+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
Los Fresnos next to Cameron 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
Los Fresnos$152,200
Cameron$136,500
Texas$283,800
United States$332,700
Typical monthly rent
Los Fresnos$989
Cameron$912
Texas$1,403
United States$1,413
Typical yearly household income
Los Fresnos$61,938
Cameron$52,601
Texas$78,476
United States$80,734
See the full table
Los Fresnos next to Cameron County and Texas
Measure
Los Fresnos
Cameron County
Texas
U.S.
Typical home value
$152,200 ▲12% above the county
$136,500
$283,800
$332,700
Typical monthly rent
$989 ▲8% above the county
$912
$1,403
$1,413
Typical yearly household income
$61,938 ▲18% above the county
$52,601
$78,476
$80,734
Households that own their home
62% ▼3 points below the county
65%
63%
65%
Typical yearly property tax
$2,816 ▲38% above the county
$2,042
$4,232
$3,119
Effective property tax rate
1.85% ▲0.35 points above the county
1.5%
1.49%
0.94%
Renters with high rent for their income
63% ▲13 points above the county
50%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cameron 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 Los Fresnos
For a typical $152,200 home in Los Fresnos, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Los Fresnos's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,378a month
Least cash to close
Down payment
$5,327
Cash to close
$9,893
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,350a month
Down payment
$7,610
Cash to close
$12,176
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$1,123a month
Down payment
$30,440
Cash to close
$35,006
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,264a month
Down payment
$22,830
Cash to close
$27,396
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Los Fresnos
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,378
$5,327
$149,443
7.18%
FHA MIP · $67
$9,893
580
Conventional, 5% down
$1,350
$7,610
$144,590
7.18%
PMI · $72
$12,176
620*
Conventional, 20% down, no PMI
$1,123
$30,440
$121,760
7.18%
None
$35,006
620*
ITIN, 15% down (example)
$1,264
$22,830
$129,370
8.18%
None
$27,396
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 Los Fresnos is $989 a month: 8% above the county. In Los Fresnos, 63% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Cameron County, by unit size. To pay the 2-bedroom one ($1,042 a month) without spending more than 30% of your income, you would need to earn $20.04 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 Cameron County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$827
$15.90
$33,080
1 bedroom
$884
$17.00
$35,360
2 bedrooms
$1,042
$20.04
$41,680
3 bedrooms
$1,393
$26.79
$55,720
4 bedrooms
$1,496
$28.77
$59,840
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 Los Fresnos
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Los Fresnos is in ZIP code 78566.
For 2 bedrooms it is $1,010: $32 less than the fair market rent for Cameron County ($1,042).
Fair market rent by ZIP code and size in Los Fresnos, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78566
$800
$860
$1,010
$1,370
$1,470
ZIP code2 bd3 bd
78566 $1,010$1,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Los Fresnos 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)
Hibiscus100 Hibiscus St, Los Fresnos 7856638 low-income homes · Run by Los Fresnos Housing Authority · Average payment: $608 a month · Average wait: 1 month(956) 233-5012
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 Cameron County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Los Fresnos or Cameron County. The ones below are statewide in Texas: they work in Los Fresnos 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 Los Fresnos or Cameron 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 Los Fresnos and all of Cameron 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 Los Fresnos?
The typical home value in Los Fresnos is $152,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cameron County it is $136,500.
How much does it cost to rent in Los Fresnos?
Typical rent in Los Fresnos is $989 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cameron County is $1,042.
What is the FHA loan limit in Los Fresnos?
Los Fresnos uses the FHA limit for all of Cameron 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 Los Fresnos?
The typical homeowner in Los Fresnos pays $2,816 a year, according to the U.S. Census Bureau. That is 1.85% of the home’s value; in Cameron County, the rate is 1.5%.
Where can I find free help to buy or rent in Los Fresnos?
There is 1 HUD-approved counseling agency with an office in Cameron County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
