In Mount Pleasant, a typical home is worth $170,700 and typical rent is $910 a month. Compared with all of Titus County, typical household income is 14% lower and the share of households that own their home is 13 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $201,879 to $221,445.
Typical rent
$1,592a month
Typical rent from Zillow, March 2026 to September 2026: from $1,535 to $1,592.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Mount Pleasant is in Titus 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 Titus County. See the county
What this place has that others do not, from public data, most unusual first.
1
58% of households in Mount Pleasant own their home, against 71% in Titus County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Mount Pleasant
What homes there are in Mount Pleasant, 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
Mount Pleasant
Titus County
Texas
United States
Kind of home: Mount Pleasant and its comparisons
Measure
Mount Pleasant
Titus County
Texas
United States
Detached house
71%
71%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
8%
5%
5%
8%
Apartments (5 or more)
16%
9%
21%
19%
Mobile home
4%
14%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Titus County, most homes in Mount Pleasant are detached houses (71%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Mount Pleasant
Titus County
Texas
United States
Year built: Mount Pleasant and its comparisons
Measure
Mount Pleasant
Titus County
Texas
United States
Before 1960
16%
12%
12%
26%
1960–1979
38%
29%
21%
24%
1980–1999
27%
34%
28%
25%
2000–2009
11%
15%
18%
14%
2010 or later
8%
10%
21%
11%
The typical home in Mount Pleasant was built in 1978, 7 years before the typical one in Titus 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 $100K25%
$100K–$200K33%
$200K–$300K22%
$300K–$500K15%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Mount Pleasant and its comparisons
Measure
Mount Pleasant
Under $100K
25%
$100K–$200K
33%
$200K–$300K
22%
$300K–$500K
15%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 96% of owner-occupied homes in Mount Pleasant sit below it: they are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50016%
$500–$99942%
$1,000–$1,49937%
HUD fair market rent, 2 bedrooms: $1,045
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Mount Pleasant and its comparisons
Measure
Mount Pleasant
Under $500
16%
$500–$999
42%
$1,000–$1,499
37%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
HUD's 2-bedroom fair market rent (FMR) for Titus County is $1,045: about 62% of rents in Mount Pleasant are below it.
With a mortgage
$1,319 a month
Titus County: $1,423 a month
Without a mortgage
$541 a month
Titus County: $568 a month
Owners with a mortgage
47%
Titus County: 43%
Owning costs less in Mount Pleasant: with a mortgage, the typical cost is $1,319 a month; in Titus County, $1,423. Without one, $541.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Mount Pleasant+70%
Titus County+66%
Texas+65%
United States+53%
Typical rent
Mount Pleasant+35%
Titus County+28%
Texas+34%
United States+33%
Typical household income
Mount PleasantNo clear change
Titus County+16%
Texas+27%
United States+29%
Change since 2015–2019: Mount Pleasant and its comparisons
Measure
Mount Pleasant
Titus County
Texas
United States
Typical home value
+70%
+66%
+65%
+53%
Typical rent
+35%
+28%
+34%
+33%
Typical household income
No clear change
+16%
+27%
+29%
Since 2015–2019, homes in Mount Pleasant gained value faster than in Titus County: 70% against 66%.
The typical rent in Mount Pleasant rose 35% over the same time; in Titus County, it rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Mount Pleasant and its comparisons
Measure
Mount Pleasant
Titus 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
7.0%
7.1%
4.8%
3.4%
People per household
2.85
2.79
2.69
2.53
Drive alone
73%
76%
71%
69%
Carpool
21%
16%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
4%
5%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Titus County, 7.0% of households in Mount Pleasant have more than one person per room.
Much as in Titus County, a household in Mount Pleasant has 2.85 people on average.
More people carpool to work in Mount Pleasant than in Titus County: 21% against 16%.
Do the math
What would you pay each month for a home in Mount Pleasant?
A typical home is tight for the typical income
We start with a typical home in Mount Pleasant, worth $170,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Mount Pleasant, which is $50,515 a year. For that payment to be 28% of income, a household would need to earn about $62,688 a year.
The calculator's FHA and conventional loan limits are those of all of Titus 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 Mount Pleasant. 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 $5,975 (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
$1,463
at 7.18% · 30 years
Loan amount
$167,608
Total interest
$241,148
Paid off in
November 2056
Includes $2,883 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,179 a month
Tight
$1,179 to $1,515 a month
Your payment · 35%
Hard
more than $1,515 a month
Compared with the typical household income in Mount Pleasant ($50,515 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,135
Property tax
$181
Home insurance
$71
FHA mortgage insurance (MIP)
$75
You need at least $5,975 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 $1,463; principal and interest $1,135.
The city and its county
Mount Pleasant and Titus County
Mount Pleasant is in Titus 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).
Mount Pleasant
Map of Titus County, Texas, with Mount Pleasant marked. Around it, the neighboring counties.
Mount Pleasant
Titus County
Mount Pleasant's own numbers
Typical home value
$170,700
Typical monthly rent
$910
Typical yearly household income
$50,515
Households that own their home
58%
Effective property tax rate
1.27%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Titus County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,045
Price change over 5 years (FHFA)
+57%
Homes in a high flood-risk zone
0.9%
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 Titus County.
A typical home in Mount Pleasant is worth $170,700: about the same as the county and 40% below Texas. With the typical household income in Mount Pleasant ($50,515 a year), a typical home costs 3.4 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.
Mount Pleasant3.4 years
Titus3.0 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Titus County
According to FHFA’s house price index, home prices in Titus County rose 91% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Titus County.
Yearly change in FHFA’s price index in Titus County, 2016 to 2025
2016: +3.7% +3.7% 2016
2017: −0.4% −0.4% 2017
2018: +8.7% +8.7% 2018
2019: +2.3% +2.3% 2019
2020: +6.1% +6.1% 2020
2021: +15.6% +15.6% 2021
2022: +14.6% +14.6% 2022
2023: +7.2% +7.2% 2023
2024: +8.1% +8.1% 2024
2025: +2.3% +2.3% 2025
Change in FHFA’s price index in Titus County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+2.3%
+0.8%
+2.9%
5 years (2020–2025)
+57%
+44%
+47%
10 years (2015–2025)
+91%
+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
Mount Pleasant next to Titus 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
Mount Pleasant$170,700
Titus$174,000
Texas$283,800
United States$332,700
Typical monthly rent
Mount Pleasant$910
Titus$907
Texas$1,403
United States$1,413
Typical yearly household income
Mount Pleasant$50,515
Titus$58,425
Texas$78,476
United States$80,734
See the full table
Mount Pleasant next to Titus County and Texas
Measure
Mount Pleasant
Titus County
Texas
U.S.
Typical home value
$170,700
$174,000
$283,800
$332,700
Typical monthly rent
$910
$907
$1,403
$1,413
Typical yearly household income
$50,515 ▼14% below the county
$58,425
$78,476
$80,734
Households that own their home
58% ▼13 points below the county
71%
63%
65%
Typical yearly property tax
$2,170 ▲4% above the county
$2,096
$4,232
$3,119
Effective property tax rate
1.27% ▲0.07 points above the county
1.2%
1.49%
0.94%
Renters with high rent for their income
48% ▼3 points below the county
52%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Titus 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 Mount Pleasant
For a typical $170,700 home in Mount Pleasant, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Mount Pleasant's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,463a month
Least cash to close
Down payment
$5,975
Cash to close
$11,096
Rate
7.18%
Mortgage insurance
FHA MIP · $75
Conventional, 5% down$1,431a month
Down payment
$8,535
Cash to close
$13,656
Rate
7.18%
Mortgage insurance
PMI · $81
Conventional, 20% down, no PMI$1,177a month
Down payment
$34,140
Cash to close
$39,261
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,335a month
Down payment
$25,605
Cash to close
$30,726
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Mount Pleasant
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,463
$5,975
$167,608
7.18%
FHA MIP · $75
$11,096
580
Conventional, 5% down
$1,431
$8,535
$162,165
7.18%
PMI · $81
$13,656
620*
Conventional, 20% down, no PMI
$1,177
$34,140
$136,560
7.18%
None
$39,261
620*
ITIN, 15% down (example)
$1,335
$25,605
$145,095
8.18%
None
$30,726
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 Mount Pleasant is $910 a month: about the same as the county. In Mount Pleasant, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Titus County, by unit size. To pay the 2-bedroom one ($1,045 a month) without spending more than 30% of your income, you would need to earn $20.10 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 Titus County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$826
$15.88
$33,040
1 bedroom
$863
$16.60
$34,520
2 bedrooms
$1,045
$20.10
$41,800
3 bedrooms
$1,368
$26.31
$54,720
4 bedrooms
$1,373
$26.40
$54,920
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 Mount Pleasant
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Mount Pleasant is in ZIP code 75455.
For 2 bedrooms it is $1,050: $5 more than the fair market rent for Titus County ($1,045).
Fair market rent by ZIP code and size in Mount Pleasant, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75455
$830
$870
$1,050
$1,370
$1,470
ZIP code2 bd3 bd
75455 $1,050$1,370
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Mount Pleasant 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 Titus 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 Mount Pleasant or Titus County. The ones below are statewide in Texas: they work in Mount Pleasant 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).
The HUD-approved agencies closest to the center of Mount Pleasant, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Mount Pleasant or Titus 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 Mount Pleasant and all of Titus 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 Mount Pleasant?
The typical home value in Mount Pleasant is $170,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Titus County it is $174,000.
How much does it cost to rent in Mount Pleasant?
Typical rent in Mount Pleasant is $910 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Titus County is $1,045.
What is the FHA loan limit in Mount Pleasant?
Mount Pleasant uses the FHA limit for all of Titus 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 Mount Pleasant?
The typical homeowner in Mount Pleasant pays $2,170 a year, according to the U.S. Census Bureau. That is 1.27% of the home’s value; in Titus County, the rate is 1.2%.
Where can I find free help to buy or rent in Mount Pleasant?
We found no HUD-approved counseling agencies with an office in Titus County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
