In Lufkin, a typical home is worth $179,600 and typical rent is $1,079 a month. Compared with all of Angelina County, the typical home value is 10% higher, typical household income is 6% lower, and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $175,567 to $201,661.
Typical rent
$1,341a month
▲ 2.4% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,276 to $1,341.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lufkin is in Angelina 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 Angelina County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Crockett, the typical home value is $121,100: 33% less than in Lufkin ($179,600).
2
Nearby, in Crockett, the typical rent is $855: 21% less than in Lufkin ($1,079).
3
52% of households in Lufkin own their home, against 64% in Angelina County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lufkin
What homes there are in Lufkin, 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
Lufkin
Angelina County
Texas
United States
Kind of home: Lufkin and its comparisons
Measure
Lufkin
Angelina County
Texas
United States
Detached house
67%
65%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
8%
5%
5%
8%
Apartments (5 or more)
21%
10%
21%
19%
Mobile home
3%
19%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Lufkin, 7 in 10 homes are single-family detached houses, about the same as in Angelina County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Lufkin
Angelina County
Texas
United States
Year built: Lufkin and its comparisons
Measure
Lufkin
Angelina County
Texas
United States
Before 1960
20%
14%
12%
26%
1960–1979
29%
26%
21%
24%
1980–1999
30%
31%
28%
25%
2000–2009
12%
15%
18%
14%
2010 or later
9%
14%
21%
11%
Homes in Lufkin are older: the typical year built is 1981; in Angelina County, 1986.
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 $100K24%
$100K–$200K37%
$200K–$300K22%
$300K–$500K9%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lufkin and its comparisons
Measure
Lufkin
Under $100K
24%
$100K–$200K
37%
$200K–$300K
22%
$300K–$500K
9%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 91% of owner-occupied homes in Lufkin sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5009%
$500–$99933%
$1,000–$1,49941%
HUD fair market rent, 2 bedrooms: $1,073
$1,500–$1,99912%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lufkin and its comparisons
Measure
Lufkin
Under $500
9%
$500–$999
33%
$1,000–$1,499
41%
$1,500–$1,999
12%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 48% of rented homes in Lufkin cost less than HUD's 2-bedroom fair market rent for Angelina County ($1,073); the rest cost more.
With a mortgage
$1,570 a month
Angelina County: $1,482 a month
Without a mortgage
$571 a month
Angelina County: $513 a month
Owners with a mortgage
49%
Angelina County: 46%
Owning costs more in Lufkin: with a mortgage, the typical cost is $1,570 a month; in Angelina County, $1,482. Without one, $571.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lufkin+54%
Angelina County+52%
Texas+65%
United States+53%
Typical rent
Lufkin+26%
Angelina County+30%
Texas+34%
United States+33%
Typical household income
Lufkin+17%
Angelina County+21%
Texas+27%
United States+29%
Change since 2015–2019: Lufkin and its comparisons
Measure
Lufkin
Angelina County
Texas
United States
Typical home value
+54%
+52%
+65%
+53%
Typical rent
+26%
+30%
+34%
+33%
Typical household income
+17%
+21%
+27%
+29%
The typical home value in Lufkin rose 54% since 2015–2019, about the same as in Angelina County (52%).
The typical rent in Lufkin rose 26% over the same time; in Angelina County, it rose 30%.
Here income did not keep up with housing: it rose 17%, while home values changed +54% and rent +26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lufkin and its comparisons
Measure
Lufkin
Angelina County
Texas
United States
Rental vacancy
Unreliable estimate
5.0%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
4.7%
3.9%
4.8%
3.4%
People per household
2.54
2.60
2.69
2.53
Drive alone
81%
81%
71%
69%
Carpool
10%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
7%
6%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 4.7% of households in Lufkin live, near the figure in Angelina County (3.9%).
Much as in Angelina County, a household in Lufkin has 2.54 people on average.
In Lufkin, 81% of workers drive alone to work; in Angelina County, 81%.
Do the math
What would you pay each month for a home in Lufkin?
A typical home is tight for the typical income
We start with a typical home in Lufkin, worth $179,600, 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 Lufkin, which is $57,048 a year. For that payment to be 28% of income, a household would need to earn about $66,918 a year.
The calculator's FHA and conventional loan limits are those of all of Angelina 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 Lufkin. 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 $6,286 (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
$1,561
at 7.18% · 30 years
Loan amount
$176,347
Total interest
$253,722
Paid off in
November 2056
Includes $3,033 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,331 a month
Tight
$1,331 to $1,711 a month
Your payment · 33%
Hard
more than $1,711 a month
Compared with the typical household income in Lufkin ($57,048 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,195
Property tax
$213
Home insurance
$75
FHA mortgage insurance (MIP)
$79
You need at least $6,286 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 $1,561; principal and interest $1,195.
The city and its county
Lufkin and Angelina County
Lufkin is in Angelina 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).
Lufkin
Map of Angelina County, Texas, with Lufkin marked. Around it, the neighboring counties.
Lufkin
Angelina County
Other cities with a page
Lufkin's own numbers
Typical home value
$179,600
Typical monthly rent
$1,079
Typical yearly household income
$57,048
Households that own their home
52%
Effective property tax rate
1.42%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Angelina County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,073
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
2.6%
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 Angelina County.
A typical home in Lufkin is worth $179,600: 10% above the county and 37% below Texas. With the typical household income in Lufkin ($57,048 a year), a typical home costs 3.1 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.
Lufkin3.1 years
Angelina2.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Angelina County
According to FHFA’s house price index, home prices in Angelina County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Angelina County.
Yearly change in FHFA’s price index in Angelina County, 2016 to 2025
2016: +3.4% +3.4% 2016
2017: −0.4% −0.4% 2017
2018: +6.0% +6.0% 2018
2019: +3.8% +3.8% 2019
2020: +4.1% +4.1% 2020
2021: +11.5% +11.5% 2021
2022: +17.6% +17.6% 2022
2023: +5.9% +5.9% 2023
2024: +1.1% +1.1% 2024
2025: +3.7% +3.7% 2025
Change in FHFA’s price index in Angelina County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+3.7%
+0.8%
+2.9%
5 years (2020–2025)
+46%
+44%
+47%
10 years (2015–2025)
+72%
+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
Lufkin next to Angelina 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
Lufkin$179,600
Angelina$163,500
Texas$283,800
United States$332,700
Typical monthly rent
Lufkin$1,079
Angelina$1,076
Texas$1,403
United States$1,413
Typical yearly household income
Lufkin$57,048
Angelina$60,960
Texas$78,476
United States$80,734
See the full table
Lufkin next to Angelina County and Texas
Measure
Lufkin
Angelina County
Texas
U.S.
Typical home value
$179,600 ▲10% above the county
$163,500
$283,800
$332,700
Typical monthly rent
$1,079
$1,076
$1,403
$1,413
Typical yearly household income
$57,048 ▼6% below the county
$60,960
$78,476
$80,734
Households that own their home
52% ▼12 points below the county
64%
63%
65%
Typical yearly property tax
$2,559 ▲44% above the county
$1,775
$4,232
$3,119
Effective property tax rate
1.42% ▲0.33 points above the county
1.09%
1.49%
0.94%
Renters with high rent for their income
53% ▲2 points above the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Angelina 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 Lufkin
For a typical $179,600 home in Lufkin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lufkin's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,561a month
Least cash to close
Down payment
$6,286
Cash to close
$11,674
Rate
7.18%
Mortgage insurance
FHA MIP · $79
Conventional, 5% down$1,529a month
Down payment
$8,980
Cash to close
$14,368
Rate
7.18%
Mortgage insurance
PMI · $85
Conventional, 20% down, no PMI$1,261a month
Down payment
$35,920
Cash to close
$41,308
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,427a month
Down payment
$26,940
Cash to close
$32,328
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lufkin
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,561
$6,286
$176,347
7.18%
FHA MIP · $79
$11,674
580
Conventional, 5% down
$1,529
$8,980
$170,620
7.18%
PMI · $85
$14,368
620*
Conventional, 20% down, no PMI
$1,261
$35,920
$143,680
7.18%
None
$41,308
620*
ITIN, 15% down (example)
$1,427
$26,940
$152,660
8.18%
None
$32,328
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 Lufkin is $1,079 a month: about the same as the county. In Lufkin, 53% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Angelina County, by unit size. To pay the 2-bedroom one ($1,073 a month) without spending more than 30% of your income, you would need to earn $20.63 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 Angelina County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$923
$17.75
$36,920
1 bedroom
$944
$18.15
$37,760
2 bedrooms
$1,073
$20.63
$42,920
3 bedrooms
$1,464
$28.15
$58,560
4 bedrooms
$1,492
$28.69
$59,680
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 Lufkin
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lufkin has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,080 in 75904 to $1,110 in 75901.
2 of the 2 are above the fair market rent for Angelina County ($1,073).
Fair market rent by ZIP code and size in Lufkin, fiscal year 2027.
75901
$950
$980
$1,110
$1,510
$1,540
75904
$930
$950
$1,080
$1,470
$1,500
ZIP code2 bd3 bd
75901 $1,110$1,510
75904 $1,080$1,470
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lufkin 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 Angelina 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 Lufkin or Angelina County. The ones below are statewide in Texas: they work in Lufkin 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 Lufkin or Angelina 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 Lufkin and all of Angelina 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 Lufkin?
The typical home value in Lufkin is $179,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Angelina County it is $163,500.
How much does it cost to rent in Lufkin?
Typical rent in Lufkin is $1,079 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Angelina County is $1,073.
What is the FHA loan limit in Lufkin?
Lufkin uses the FHA limit for all of Angelina 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 Lufkin?
The typical homeowner in Lufkin pays $2,559 a year, according to the U.S. Census Bureau. That is 1.42% of the home’s value; in Angelina County, the rate is 1.09%.
Where can I find free help to buy or rent in Lufkin?
We found no HUD-approved counseling agencies with an office in Angelina County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
