In Lumberton, a typical home is worth $291,900 and typical rent is $1,067 a month. Compared with all of Hardin County, typical household income is 42% higher and the typical home value is 42% higher.
Typical home value from Zillow, September 2021 to September 2026: from $253,908 to $280,019.
Typical rent
$1,948a month
Typical rent from Zillow, June 2026 to September 2026: from $1,917 to $1,948.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Lumberton is in Hardin 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 Hardin County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Vidor, the typical home value is $131,400: 55% less than in Lumberton ($291,900).
2
The typical household income in Lumberton is $107,623,42% more than in Hardin County as a whole ($75,808).
3
The typical home in Lumberton is worth $291,900,42% more than in Hardin County as a whole ($205,700).
4
Nearby, in Vidor, the typical rent is $820: 23% less than in Lumberton ($1,067).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Lumberton
What homes there are in Lumberton, 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
Lumberton
Hardin County
Texas
United States
Kind of home: Lumberton and its comparisons
Measure
Lumberton
Hardin County
Texas
United States
Detached house
81%
69%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
21%
19%
Mobile home
8%
22%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 81% of homes here, against 69% in Hardin County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Lumberton
Hardin County
Texas
United States
Year built: Lumberton and its comparisons
Measure
Lumberton
Hardin County
Texas
United States
Before 1960
Unreliable estimate
11%
12%
26%
1960–1979
18%
22%
21%
24%
1980–1999
27%
26%
28%
25%
2000–2009
25%
19%
18%
14%
2010 or later
27%
22%
21%
11%
The typical home in Lumberton was built in 2001, 7 years after the typical one in Hardin County.
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 $100K8%
$100K–$200K17%
$200K–$300K27%
$300K–$500K41%
$500K–$750K6%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Lumberton and its comparisons
Measure
Lumberton
Under $100K
8%
$100K–$200K
17%
$200K–$300K
27%
$300K–$500K
41%
$500K–$750K
6%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Hardin County is $541,287, and about 94% of owner-occupied homes in Lumberton are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49943%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Lumberton and its comparisons
Measure
Lumberton
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
43%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,930 a month
Hardin County: $1,710 a month
Without a mortgage
$604 a month
Hardin County: $511 a month
Owners with a mortgage
59%
Hardin County: 45%
The typical cost for an owner with a mortgage in Lumberton is $1,930 a month, more than in Hardin County ($1,710); without one, $604.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Lumberton+71%
Hardin County+66%
Texas+65%
United States+53%
Typical rent
Lumberton+25%
Hardin County+30%
Texas+34%
United States+33%
Typical household income
Lumberton+50%
Hardin County+26%
Texas+27%
United States+29%
Change since 2015–2019: Lumberton and its comparisons
Measure
Lumberton
Hardin County
Texas
United States
Typical home value
+71%
+66%
+65%
+53%
Typical rent
+25%
+30%
+34%
+33%
Typical household income
+50%
+26%
+27%
+29%
The typical home value in Lumberton rose 71% since 2015–2019, more than in Hardin County (66%).
Rents in Lumberton rose more slowly than in Hardin County: 25% since 2015–2019, against 30%.
To compare: typical income in Lumberton rose 50%; the home, +71%; the rent, +25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Lumberton and its comparisons
Measure
Lumberton
Hardin 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
4.1%
4.8%
3.4%
People per household
2.47
2.57
2.69
2.53
Drive alone
85%
86%
71%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
7%
5%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Lumberton has 2.47 people on average, about the same as in Hardin County (2.57).
In Lumberton, 85% of workers drive alone to work; in Hardin County, 86%.
Do the math
What would you pay each month for a home in Lumberton?
A typical home is within reach of the typical income
We start with a typical home in Lumberton, worth $291,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 28% of the typical household income in Lumberton, which is $107,623 a year.
The calculator's FHA and conventional loan limits are those of all of Hardin 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 Lumberton. 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 $10,217 (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
$2,504
at 7.18% · 30 years
Loan amount
$286,612
Total interest
$412,368
Paid off in
November 2056
Includes $4,929 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,511 a month
Your payment · 28%
Tight
$2,511 to $3,229 a month
Hard
more than $3,229 a month
Compared with the typical household income in Lumberton ($107,623 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,942
Property tax
$311
Home insurance
$122
FHA mortgage insurance (MIP)
$129
You need at least $10,217 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 $2,504; principal and interest $1,942.
The city and its county
Lumberton and Hardin County
Lumberton is in Hardin 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).
Lumberton
Map of Hardin County, Texas, with Lumberton marked. Around it, the neighboring counties.
Lumberton
Hardin County
Other cities with a page
Lumberton's own numbers
Typical home value
$291,900
Typical monthly rent
$1,067
Typical yearly household income
$107,623
Households that own their home
86%
Effective property tax rate
1.28%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hardin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,218
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
6.9%
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 Hardin County.
A typical home in Lumberton is worth $291,900: 42% above the county and 3% above Texas. With the typical household income in Lumberton ($107,623 a year), a typical home costs 2.7 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.
Lumberton2.7 years
Hardin2.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hardin County
According to FHFA’s house price index, home prices in Hardin County rose 68% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hardin County.
Yearly change in FHFA’s price index in Hardin County, 2016 to 2025
2016: +2.4% +2.4% 2016
2017: +4.2% +4.2% 2017
2018: +4.8% +4.8% 2018
2019: +5.6% +5.6% 2019
2020: +4.2% +4.2% 2020
2021: +8.1% +8.1% 2021
2022: +11.0% +11.0% 2022
2023: +1.6% +1.6% 2023
2024: +5.5% +5.5% 2024
2025: +6.4% +6.4% 2025
Change in FHFA’s price index in Hardin County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+6.4%
+0.8%
+2.9%
5 years (2020–2025)
+37%
+44%
+47%
10 years (2015–2025)
+68%
+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
Lumberton next to Hardin 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
Lumberton$291,900
Hardin$205,700
Texas$283,800
United States$332,700
Typical monthly rent
Lumberton$1,067
Hardin$1,049
Texas$1,403
United States$1,413
Typical yearly household income
Lumberton$107,623
Hardin$75,808
Texas$78,476
United States$80,734
See the full table
Lumberton next to Hardin County and Texas
Measure
Lumberton
Hardin County
Texas
U.S.
Typical home value
$291,900 ▲42% above the county
$205,700
$283,800
$332,700
Typical monthly rent
$1,067
$1,049
$1,403
$1,413
Typical yearly household income
$107,623 ▲42% above the county
$75,808
$78,476
$80,734
Households that own their home
86% ▲3 points above the county
82%
63%
65%
Typical yearly property tax
$3,731 ▲67% above the county
$2,238
$4,232
$3,119
Effective property tax rate
1.28% ▲0.19 points above the county
1.09%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hardin 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 Lumberton
For a typical $291,900 home in Lumberton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lumberton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,504a month
Least cash to close
Down payment
$10,217
Cash to close
$18,974
Rate
7.18%
Mortgage insurance
FHA MIP · $129
Conventional, 5% down$2,450a month
Down payment
$14,595
Cash to close
$23,352
Rate
7.18%
Mortgage insurance
PMI · $139
Conventional, 20% down, no PMI$2,015a month
Down payment
$58,380
Cash to close
$67,137
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,285a month
Down payment
$43,785
Cash to close
$52,542
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Lumberton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,504
$10,217
$286,613
7.18%
FHA MIP · $129
$18,974
580
Conventional, 5% down
$2,450
$14,595
$277,305
7.18%
PMI · $139
$23,352
620*
Conventional, 20% down, no PMI
$2,015
$58,380
$233,520
7.18%
None
$67,137
620*
ITIN, 15% down (example)
$2,285
$43,785
$248,115
8.18%
None
$52,542
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 Lumberton is $1,067 a month: about the same as the county.
HUD publishes a fair market rent for all of Hardin County, by unit size. To pay the 2-bedroom one ($1,218 a month) without spending more than 30% of your income, you would need to earn $23.42 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 Hardin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$980
$18.85
$39,200
1 bedroom
$986
$18.96
$39,440
2 bedrooms
$1,218
$23.42
$48,720
3 bedrooms
$1,588
$30.54
$63,520
4 bedrooms
$1,944
$37.38
$77,760
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 Lumberton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lumberton is in ZIP code 77657.
For 2 bedrooms it is $1,160: $58 less than the fair market rent for Hardin County ($1,218).
Fair market rent by ZIP code and size in Lumberton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77657
$930
$940
$1,160
$1,510
$1,850
ZIP code2 bd3 bd
77657 $1,160$1,510
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lumberton 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 Hardin 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 Lumberton or Hardin County. The ones below are statewide in Texas: they work in Lumberton 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 Lumberton or Hardin 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 Lumberton and all of Hardin 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 Lumberton?
The typical home value in Lumberton is $291,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hardin County it is $205,700.
How much does it cost to rent in Lumberton?
Typical rent in Lumberton is $1,067 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hardin County is $1,218.
What is the FHA loan limit in Lumberton?
Lumberton uses the FHA limit for all of Hardin 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 Lumberton?
The typical homeowner in Lumberton pays $3,731 a year, according to the U.S. Census Bureau. That is 1.28% of the home’s value; in Hardin County, the rate is 1.09%.
Where can I find free help to buy or rent in Lumberton?
We found no HUD-approved counseling agencies with an office in Hardin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
