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City · 23,825 residents · Harrison County, Texas

Marshall , Texas

In Marshall, a typical home is worth $141,400 and typical rent is $949 a month. Compared with all of Harrison County, the typical home value is 22% lower, typical household income is 17% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $141,400

    22% below the county

    50% below Texas

    • Marshall
    • Harrison
    • Texas

  • Typical rent

    $949a month

    3% below the county

    32% below Texas

    • Marshall
    • Harrison
    • Texas

  • Typical household income

    $55,089a year

    17% below the county

    30% below Texas

    • Marshall
    • Harrison
    • Texas

  • Households that own their home

    60%

    17 points below the county

    3 points below Texas

    • Marshall
    • Harrison
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$159,417
3.8% more than 12 months ago

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

Marshall is in Harrison 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 Harrison County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Marshall apart

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

  1. 60% of households in Marshall own their home, against 77% in Harrison County.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Marshall rose 3.8%; in Texas, it fell 1.4%.

  3. The typical home in Marshall is worth $141,400, 22% less than in Harrison County as a whole ($180,400).

  4. Nearby, in Carthage, the typical rent is $797: 16% less than in Marshall ($949).

  5. The typical household income in Marshall is $55,089, 17% less than in Harrison County as a whole ($66,103).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Marshall

What homes there are in Marshall, 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 houses, standing on their own, make up 79% of homes here, against 72% in Harrison County.

Year built

The typical home in Marshall was built in 1969, 15 years before the typical one in Harrison County.

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

The FHA limit for Harrison County is high ($541,287): at least 97% of owner-occupied homes in Marshall are worth less than $500,000.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Harrison County is $1,244; about 75% of rents in Marshall are below it.

With a mortgage

$1,254 a month

Harrison County: $1,555 a month

Without a mortgage

$457 a month

Harrison County: $489 a month

Owners with a mortgage

45%

Harrison County: 47%

In Marshall, 45% of owners have a mortgage, and their typical cost is $1,254 a month, against $1,555 in Harrison County. Without one it drops to $457.

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

Since 2015–2019, homes in Marshall gained value faster than in Harrison County: 42% against 38%.

Rents in Marshall rose faster than in Harrison County: 30% since 2015–2019, against 24%.

To compare: typical income in Marshall rose 34%; the home, +42%; the rent, +30%.

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

MeasureMarshallHarrison CountyTexasUnited States
Rental vacancy 8.0%8.5%7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate3.5%4.8%3.4%
People per household 2.522.592.692.53
Drive alone 72%78%71%69%
Carpool 17%12%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 4%2%2%3%
Work from home 5%7%14%15%
Other means Unreliable estimate1%2%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Harrison County, the rental vacancy rate in Marshall is 8.0%.

By size, households in Marshall look like those in Harrison County: 2.52 people on average.

More people carpool to work in Marshall than in Harrison County: 17% against 12%.

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 Marshall?

A typical home is within reach of the typical income

We start with a typical home in Marshall, worth $141,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Marshall, which is $55,089 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Marshall. 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 $4,949 (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

$1,185

at 7.18% · 30 years

Loan amount
$138,839
Total interest
$199,757
Paid off in
November 2056

Includes $2,388 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,285 a month

    Your payment · 26%

  • Tight

    $1,285 to $1,653 a month

  • Hard

    more than $1,653 a month

Compared with the typical household income in Marshall ($55,089 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,185
Principal & interest$941
Property tax$123
Home insurance$59
FHA mortgage insurance (MIP)$63

You need at least $4,949 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

Marshall and Harrison County

Marshall is in Harrison 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).

Marshall's own numbers

Typical home value
$141,400
Typical monthly rent
$949
Typical yearly household income
$55,089
Households that own their home
60%
Effective property tax rate
1.04%

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

Numbers for all of Harrison County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,244
Price change over 5 years (FHFA)
+51%
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 Harrison County.

Everything about Harrison County

Buying

Buying a home in Marshall

A typical home in Marshall is worth $141,400: 22% below the county and 50% below Texas. With the typical household income in Marshall ($55,089 a year), a typical home costs 2.6 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.

  • Marshall 2.6 years
  • Harrison 2.7 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harrison County

According to FHFA’s house price index, home prices in Harrison County rose 71% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +7.3% +0.8% +2.9%
5 years (2020–2025) +51% +44% +47%
10 years (2015–2025) +71% +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

Marshall next to Harrison 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
  • Marshall $141,400
  • Harrison $180,400
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Marshall $949
  • Harrison $974
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Marshall $55,089
  • Harrison $66,103
  • Texas $78,476
  • United States $80,734
See the full table
Marshall next to Harrison County and Texas
Measure Marshall Harrison County Texas U.S.
Typical home value $141,400 $180,400 $283,800 $332,700
Typical monthly rent $949 $974 $1,403 $1,413
Typical yearly household income $55,089 $66,103 $78,476 $80,734
Households that own their home 60% 77% 63% 65%
Typical yearly property tax $1,472 $1,758 $4,232 $3,119
Effective property tax rate 1.04% 0.97% 1.49% 0.94%
Renters with high rent for their income 52% 48% 52% 51%

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

For a typical $141,400 home in Marshall, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Marshall's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,185a month

    Least cash to close
    Down payment
    $4,949
    Cash to close
    $9,191
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $63

  • Conventional, 5% down $1,159a month

    Down payment
    $7,070
    Cash to close
    $11,312
    Rate
    7.18%
    Mortgage insurance
    PMI · $67

  • Conventional, 20% down, no PMI $948a month

    Down payment
    $28,280
    Cash to close
    $32,522
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,079a month

    Down payment
    $21,210
    Cash to close
    $25,452
    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 Marshall and for Harrison County.

Property tax

Effective rate in Marshall

1.04%of the home’s value each year

$1,472 a year for the typical owner in Marshall.

  • Marshall 1.04%
  • Harrison 0.97%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Harrison County

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

Homes in the high-risk zone
3.8%
1,239
Of those, with NFIP insurance
9.4%
County Texas U.S.
Homes in the high-risk zone 3.8% 4.1% 3.5%
Of those, with NFIP insurance 9.4% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Marshall

Typical rent in Marshall is $949 a month: 3% below the county. In Marshall, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harrison County, by unit size. To pay the 2-bedroom one ($1,244 a month) without spending more than 30% of your income, you would need to earn $23.92 an hour working full time.

HUD fair market rent for all of Harrison 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 $866 $16.65 $34,640
1 bedroom $951 $18.29 $38,040
2 bedrooms $1,244 $23.92 $49,760
3 bedrooms $1,482 $28.50 $59,280
4 bedrooms $1,635 $31.44 $65,400

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 Marshall

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Marshall has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,180 in 75670 to $1,260 in 75672.

1 of the 2 is above the fair market rent for Harrison County ($1,244).

  • 75670 $1,180$1,410
  • 75672 $1,260$1,500

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Marshall 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 Marshall

HUD lists 9 buildings with rents for lower incomes in Marshall. These are the largest.

  • Belaire Manor of Marshall 1400 Julie St, Marshall 75670 150 low-income homes · For families
  • Ryans Crossing (pemberton Place) 1509 Mlk Blvd, Marshall 75670 112 homes, 103 low-income · In service since 2002
  • Marshall Housing Authority 113 Oakley Dr, Marshall 75672 74 low-income homes · Run by Housing Authority of Marshall · Average payment: $435 a month · Average wait: 10 months (903) 938-0717
  • Timber Village Apts II 2626 W Loop 390 N, Marshall 75670 72 low-income homes · 1 bd: 12 · 2 bd: 48 · 3 bd: 12 · In service since 2011
  • Decker Place 2500 E End Blvd S, Marshall 75672 64 low-income homes · 1 bd: 16 · 2 bd: 40 · 3 bd: 8 · For older adults, people with disabilities, families, people experiencing homelessness

See all 9 buildings in Harrison County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Marshall

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Marshall

No down payment, repair or rent-help program on our list is for Marshall or Harrison County. The ones below are statewide in Texas: they work in Marshall 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 Marshall

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

  • Balance - Dallas

    8330 Lbj Fwy, Dallas · 142 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 777-7526

  • Builders of Hope

    603 Munger Ave, Dallas · 144 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (214) 920-9850

  • BCL of Texas (business and Community Lenders)

    400 S Zang Blvd Ste 1220, Dallas · 144 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 Marshall

2 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 Marshall

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

  • Housing Authority of Marshall Public housing and Section 8 vouchers (903) 938-0717

All housing agencies in Texas Source: HUD

Cities

Nearby cities

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

Everything about Harrison County Housing in Texas

Neighboring counties

If Harrison 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 Marshall.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Marshall

Short answers with the numbers for Marshall and all of Harrison 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 Marshall?

The typical home value in Marshall is $141,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harrison County it is $180,400.

How much does it cost to rent in Marshall?

Typical rent in Marshall is $949 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harrison County is $1,244.

What is the FHA loan limit in Marshall?

Marshall uses the FHA limit for all of Harrison 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 Marshall?

The typical homeowner in Marshall pays $1,472 a year, according to the U.S. Census Bureau. That is 1.04% of the home’s value; in Harrison County, the rate is 0.97%.

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

We found no HUD-approved counseling agencies with an office in Harrison 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).