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City · 5,187 residents · Kaufman County, Texas

Mabank , Texas

In Mabank, a typical home is worth $254,900 and typical rent is $994 a month. Compared with all of Kaufman County, typical household income is 39% lower, typical rent is 36% lower, and the share of households that own their home is 34 points lower.

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  • Typical home value

    $254,900

    21% below the county

    10% below Texas

    • Mabank
    • Kaufman
    • Texas

  • Typical rent

    $994a month

    36% below the county

    29% below Texas

    • Mabank
    • Kaufman
    • Texas

  • Typical household income

    $54,889a year

    39% below the county

    30% below Texas

    • Mabank
    • Kaufman
    • Texas

  • Households that own their home

    44%

    34 points below the county

    19 points below Texas

    • Mabank
    • Kaufman
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$270,099
1.1% less than 12 months ago
Typical rent
$1,796 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Mabank is in Kaufman County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Kaufman County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mabank apart

What this place has that others do not, from public data, most unusual first.

  1. 44% of households in Mabank own their home, against 78% in Kaufman County.

  2. The typical household income in Mabank is $54,889, 39% less than in Kaufman County as a whole ($89,485).

  3. The typical rent in Mabank is $994 a month, 36% less than in Kaufman County as a whole ($1,554).

  4. Nearby, in Athens, the typical home value is $210,800: 17% less than in Mabank ($254,900).

  5. Mabank has the 22nd largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (68%).

  6. The typical home in Mabank is worth $254,900, 21% less than in Kaufman County as a whole ($320,900).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Mabank

What homes there are in Mabank, 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

The detached house is still the most common home in Mabank, but it weighs less than in Kaufman County: 64% against 79%.

Year built

By age, homes in Mabank look like those in Kaufman County: the typical year built is 2002.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$1,473 a month

Kaufman County: $2,257 a month

Owners with a mortgage

52%

Kaufman County: 64%

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Mabank rose 135% since 2015–2019, more than in Kaufman County (80%).

The typical rent in Mabank rose 28% over the same time; in Kaufman County, it rose 49%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureMabankKaufman CountyTexasUnited States
Rental vacancy Unreliable estimate9.2%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room Unreliable estimate6.1%4.8%3.4%
People per household 2.763.362.692.53
Drive alone 76%76%71%69%
Carpool 14%9%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home Unreliable estimate13%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Mabank has 2.76 people, fewer than in Kaufman County (3.36).

Carpooling is common in Mabank: 14% of workers get to work that way, against 9% in Kaufman County.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Mabank?

A typical home costs more than the typical income allows

We start with a typical home in Mabank, worth $254,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Mabank, which is $54,889 a year. For that payment to be 28% of income, a household would need to earn about $93,610 a year.

The calculator's FHA and conventional loan limits are those of all of Kaufman County.

Your numbers

Local data
$

Starts at the typical home value in Mabank. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $8,922 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,184

at 7.18% · 30 years

Loan amount
$250,283
Total interest
$360,098
Paid off in
November 2056

Includes $4,305 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,281 a month

  • Tight

    $1,281 to $1,647 a month

  • Hard

    more than $1,647 a month

    Your payment · 48%

Compared with the typical household income in Mabank ($54,889 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,184
Principal & interest$1,696
Property tax$270
Home insurance$106
FHA mortgage insurance (MIP)$113

You need at least $8,922 for the down payment, plus closing costs.

Next step

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.

The city and its county

Mabank and Kaufman County

Mabank is in Kaufman 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).

Mabank's own numbers

Typical home value
$254,900
Typical monthly rent
$994
Typical yearly household income
$54,889
Households that own their home
44%
Effective property tax rate
1.27%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Kaufman County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.2%

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 Kaufman County.

Everything about Kaufman County

Buying

Buying a home in Mabank

A typical home in Mabank is worth $254,900: 21% below the county and 10% below Texas. With the typical household income in Mabank ($54,889 a year), a typical home costs 4.6 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.

  • Mabank 4.6 years
  • Kaufman 3.6 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kaufman County

According to FHFA’s house price index, home prices in Kaufman County rose 113% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Kaufman County.

Period County Texas U.S.
Last year (2025) +1.2% +0.8% +2.9%
5 years (2020–2025) +49% +44% +47%
10 years (2015–2025) +113% +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

Mabank next to Kaufman 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
  • Mabank $254,900
  • Kaufman $320,900
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Mabank $994
  • Kaufman $1,554
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Mabank $54,889
  • Kaufman $89,485
  • Texas $78,476
  • United States $80,734
See the full table
Mabank next to Kaufman County and Texas
Measure Mabank Kaufman County Texas U.S.
Typical home value $254,900 $320,900 $283,800 $332,700
Typical monthly rent $994 $1,554 $1,403 $1,413
Typical yearly household income $54,889 $89,485 $78,476 $80,734
Households that own their home 44% 78% 63% 65%
Typical yearly property tax $3,237 $5,377 $4,232 $3,119
Effective property tax rate 1.27% 1.68% 1.49% 0.94%
Renters with high rent for their income 68% 58% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kaufman 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 Mabank

For a typical $254,900 home in Mabank, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mabank's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,184a month

    Least cash to close
    Down payment
    $8,922
    Cash to close
    $16,569
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $113

  • Conventional, 5% down $2,137a month

    Down payment
    $12,745
    Cash to close
    $20,392
    Rate
    7.18%
    Mortgage insurance
    PMI · $121

  • Conventional, 20% down, no PMI $1,757a month

    Down payment
    $50,980
    Cash to close
    $58,627
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,993a month

    Down payment
    $38,235
    Cash to close
    $45,882
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Mabank and for Kaufman County.

Property tax

Effective rate in Mabank

1.27%of the home’s value each year

$3,237 a year for the typical owner in Mabank.

  • Mabank 1.27%
  • Kaufman 1.68%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Kaufman County

FEMA does not publish these numbers by city: they are for all of Kaufman County.

Homes in the high-risk zone
1.2%
598
Of those, with NFIP insurance
18%
County Texas U.S.
Homes in the high-risk zone 1.2% 4.1% 3.5%
Of those, with NFIP insurance 18% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mabank

Typical rent in Mabank is $994 a month: 36% below the county. In Mabank, 68% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kaufman County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 an hour working full time.

HUD fair market rent for all of Kaufman County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,491 $28.67 $59,640
1 bedroom $1,536 $29.54 $61,440
2 bedrooms $1,807 $34.75 $72,280
3 bedrooms $2,275 $43.75 $91,000
4 bedrooms $2,892 $55.62 $115,680

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 Mabank

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mabank is in ZIP code 75147.

For 2 bedrooms it is $1,070: $737 less than the fair market rent for Kaufman County ($1,807).

  • 75147 $1,070$1,360

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mabank 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Mabank

HUD lists 4 buildings with rents for lower incomes in Mabank. These are the largest.

  • Lake Ridge Apartments 401 N 3rd St, Mabank 75147 42 low-income homes · 1 bd: 16 · 2 bd: 2 (903) 887-6988
  • Meadowlake Village Apts 209 S Grand Ave, Mabank 75147 40 low-income homes · In service since 2011
  • Gardens of Mabank 120 Gardendale, Mabank 75147 36 low-income homes · 1 bd: 2 · 2 bd: 34 · In service since 2008
  • Mabank Housing Authority 200 E Jack St, Mabank 75147 30 low-income homes · For older adults · Run by Housing Authority of Mabank · Average payment: $475 a month (903) 887-4220

See all 16 buildings in Kaufman County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Mabank

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 Kaufman County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Mabank

No down payment, repair or rent-help program on our list is for Mabank or Kaufman County. The ones below are statewide in Texas: they work in Mabank the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    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).

    Tax credit

    See the program Official page

Housing counselors near Mabank

The HUD-approved agencies closest to the center of Mabank, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - Dallas, TX

    5787 S Hampton Rd Ste 115, Dallas · 48 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (972) 283-1171

  • Operation Hope - Dallas Texas

    1150 W Kiest Blvd, Dallas · 48 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (256) 384-6720

  • BCL of Texas (business and Community Lenders)

    400 S Zang Blvd Ste 1220, Dallas · 49 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (214) 688-7456

All counseling agencies in Texas

Help in Spanish near Mabank

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Mabank

HUD’s record names them for Mabank or Kaufman County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

2 other authorities have an office in Kaufman County: see the list Source: HUD

Cities

Other cities in Kaufman County

These cities are also in Kaufman County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Kaufman County Housing in Texas

Nearby cities

The cities closest to Mabank, with the typical home value.

Neighboring counties

If Kaufman County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Mabank.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about Mabank

Short answers with the numbers for Mabank and all of Kaufman 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 Mabank?

The typical home value in Mabank is $254,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kaufman County it is $320,900.

How much does it cost to rent in Mabank?

Typical rent in Mabank is $994 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kaufman County is $1,807.

What is the FHA loan limit in Mabank?

Mabank uses the FHA limit for all of Kaufman County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.

How much property tax do owners pay in Mabank?

The typical homeowner in Mabank pays $3,237 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Kaufman County, the rate is 1.68%.

Where can I find free help to buy or rent in Mabank?

We found no HUD-approved counseling agencies with an office in Kaufman County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).