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City · 9,020 residents · Chambers County, Texas

Mont Belvieu , Texas

In Mont Belvieu, a typical home is worth $411,000 and typical rent is $1,701 a month. Compared with all of Chambers County, the typical home value is 25% higher, typical household income is 21% higher, and the share of households that own their home is 6 points lower.

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  • Typical home value

    $411,000

    25% above the county

    45% above Texas

    • Mont Belvieu
    • Chambers
    • Texas

  • Typical rent

    $1,701a month

    6% above the county

    21% above Texas

    • Mont Belvieu
    • Chambers
    • Texas

  • Typical household income

    $132,781a year

    21% above the county

    69% above Texas

    • Mont Belvieu
    • Chambers
    • Texas

  • Households that own their home

    75%

    6 points below the county

    13 points above Texas

    • Mont Belvieu
    • Chambers
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$443,490
0.8% more than 12 months ago

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

Mont Belvieu is in Chambers 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 Chambers County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Mont Belvieu apart

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

  1. Nearby, in Liberty, the typical home value is $175,300: 57% less than in Mont Belvieu ($411,000).

  2. Nearby, in Dayton, the typical rent is $1,045: 39% less than in Mont Belvieu ($1,701).

  3. The typical home in Mont Belvieu is worth $411,000, 25% more than in Chambers County as a whole ($329,500).

  4. The typical household income in Mont Belvieu is $132,781, 21% more than in Chambers County as a whole ($109,804).

  5. 75% of households in Mont Belvieu own their home, against 82% in Chambers County.

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

The homes here

Housing in Mont Belvieu

What homes there are in Mont Belvieu, 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 Mont Belvieu, but it weighs less than in Chambers County: 74% against 78%.

Year built

Homes in Mont Belvieu are newer: the typical year built is 2014; in Chambers County, 2004.

There are fewer big homes in Mont Belvieu than in Chambers County: 71% have 3 bedrooms or more, against 81%.

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

$2,855 a month

Chambers County: $2,317 a month

Without a mortgage

$798 a month

Chambers County: $682 a month

Owners with a mortgage

64%

Chambers County: 60%

In Mont Belvieu, 64% of owners have a mortgage, and their typical cost is $2,855 a month, against $2,317 in Chambers County. Without one it drops to $798.

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

Homes in Mont Belvieu gained value more slowly than in Chambers County: 59% since 2015–2019, against 64%.

Rents in Mont Belvieu rose faster than in Chambers County: 97% since 2015–2019, against 75%.

Here income did not keep up with housing: it rose 40%, while home values changed +59% and rent +97%.

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

MeasureMont BelvieuChambers CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate4.8%3.4%
People per household 2.932.972.692.53
Drive alone 71%76%71%69%
Carpool 15%15%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 14%7%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

By size, households in Mont Belvieu look like those in Chambers County: 2.93 people on average.

In Mont Belvieu, 14% of workers work from home, more than in Chambers County (7%).

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 Mont Belvieu?

A typical home is tight for the typical income

We start with a typical home in Mont Belvieu, worth $411,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Mont Belvieu, which is $132,781 a year. For that payment to be 28% of income, a household would need to earn about $149,908 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Mont Belvieu. 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 $14,385 (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

$3,498

at 7.18% · 30 years

Loan amount
$403,556
Total interest
$580,622
Paid off in
November 2056

Includes $6,941 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,098 a month

  • Tight

    $3,098 to $3,983 a month

    Your payment · 32%

  • Hard

    more than $3,983 a month

Compared with the typical household income in Mont Belvieu ($132,781 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,498
Principal & interest$2,734
Property tax$411
Home insurance$171
FHA mortgage insurance (MIP)$182

You need at least $14,385 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

Mont Belvieu and Chambers County

Mont Belvieu is in Chambers 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).

Mont Belvieu's own numbers

Typical home value
$411,000
Typical monthly rent
$1,701
Typical yearly household income
$132,781
Households that own their home
75%
Effective property tax rate
1.2%

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

Numbers for all of Chambers County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,497
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
5.1%

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 Chambers County.

Everything about Chambers County

Buying

Buying a home in Mont Belvieu

A typical home in Mont Belvieu is worth $411,000: 25% above the county and 45% above Texas. With the typical household income in Mont Belvieu ($132,781 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.

  • Mont Belvieu 3.1 years
  • Chambers 3.0 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Chambers County

According to FHFA’s house price index, home prices in Chambers County rose 86% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +3.7% +0.8% +2.9%
5 years (2020–2025) +42% +44% +47%
10 years (2015–2025) +86% +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

Mont Belvieu next to Chambers 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
  • Mont Belvieu $411,000
  • Chambers $329,500
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Mont Belvieu $1,701
  • Chambers $1,609
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Mont Belvieu $132,781
  • Chambers $109,804
  • Texas $78,476
  • United States $80,734
See the full table
Mont Belvieu next to Chambers County and Texas
Measure Mont Belvieu Chambers County Texas U.S.
Typical home value $411,000 $329,500 $283,800 $332,700
Typical monthly rent $1,701 $1,609 $1,403 $1,413
Typical yearly household income $132,781 $109,804 $78,476 $80,734
Households that own their home 75% 82% 63% 65%
Typical yearly property tax $4,913 $3,474 $4,232 $3,119
Effective property tax rate 1.2% 1.05% 1.49% 0.94%

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

For a typical $411,000 home in Mont Belvieu, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mont Belvieu's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,498a month

    Least cash to close
    Down payment
    $14,385
    Cash to close
    $26,715
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $182

  • Conventional, 5% down $3,423a month

    Down payment
    $20,550
    Cash to close
    $32,880
    Rate
    7.18%
    Mortgage insurance
    PMI · $195

  • Conventional, 20% down, no PMI $2,810a month

    Down payment
    $82,200
    Cash to close
    $94,530
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,190a month

    Down payment
    $61,650
    Cash to close
    $73,980
    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 Mont Belvieu and for Chambers County.

Property tax

Effective rate in Mont Belvieu

1.2%of the home’s value each year

$4,913 a year for the typical owner in Mont Belvieu.

  • Mont Belvieu 1.2%
  • Chambers 1.05%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Chambers County

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

Homes in the high-risk zone
5.1%
770
Of those, with NFIP insurance
43%
County Texas U.S.
Homes in the high-risk zone 5.1% 4.1% 3.5%
Of those, with NFIP insurance 43% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Mont Belvieu

Typical rent in Mont Belvieu is $1,701 a month: 6% above the county.

HUD publishes a fair market rent for all of Chambers County, by unit size. To pay the 2-bedroom one ($1,497 a month) without spending more than 30% of your income, you would need to earn $28.79 an hour working full time.

HUD fair market rent for all of Chambers 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 $1,233 $23.71 $49,320
1 bedroom $1,261 $24.25 $50,440
2 bedrooms $1,497 $28.79 $59,880
3 bedrooms $2,017 $38.79 $80,680
4 bedrooms $2,502 $48.12 $100,080

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 Mont Belvieu

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mont Belvieu has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,200 in 77535 to $1,630 in 77523.

2 of the 3 are above the fair market rent for Chambers County ($1,497).

  • 77523 $1,630$2,200
  • 77535 $1,200$1,620
  • 77580 $1,610$2,170

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

Free help

Help to buy or rent in Mont Belvieu

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Mont Belvieu

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

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

  • Keystone Community Development Corporation

    309 W X St, Deer Park · 19 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (281) 476-3592

  • Tejano Center for Community Concerns

    1062 Fairmont Pkwy, Pasadena · 24 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (713) 640-3743

  • Nid-Hca Dightman

    113 N Avenue H, Humble · 25 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (281) 895-0563

All counseling agencies in Texas

Help in Spanish near Mont Belvieu

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 Mont Belvieu

HUD lists no housing authority with an office in Chambers County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Texas Source: HUD

Cities

Nearby cities

The cities closest to Mont Belvieu, with the typical home value.

Everything about Chambers County Housing in Texas

Neighboring counties

If Chambers 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 Mont Belvieu.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Mont Belvieu

Short answers with the numbers for Mont Belvieu and all of Chambers 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 Mont Belvieu?

The typical home value in Mont Belvieu is $411,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Chambers County it is $329,500.

How much does it cost to rent in Mont Belvieu?

Typical rent in Mont Belvieu is $1,701 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Chambers County is $1,497.

What is the FHA loan limit in Mont Belvieu?

Mont Belvieu uses the FHA limit for all of Chambers 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 Mont Belvieu?

The typical homeowner in Mont Belvieu pays $4,913 a year, according to the U.S. Census Bureau. That is 1.2% of the home’s value; in Chambers County, the rate is 1.05%.

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

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