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City · 5,230 residents · Harris County, Texas

Nassau Bay , Texas

In Nassau Bay, a typical home is worth $374,600 and typical rent is $1,331 a month. Compared with all of Harris County, the typical home value is 35% higher and the share of households that own their home is 6 points lower.

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  • Typical home value

    $374,600

    35% above the county

    32% above Texas

    • Nassau Bay
    • Harris
    • Texas

  • Typical rent

    $1,331a month

    5% below the county

    5% below Texas

    • Nassau Bay
    • Harris
    • Texas

  • Typical household income

    $71,696a year

    4% below the county

    9% below Texas

    • Nassau Bay
    • Harris
    • Texas

  • Households that own their home

    49%

    6 points below the county

    14 points below Texas

    • Nassau Bay
    • Harris
    • Texas

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

Nassau Bay is in Harris 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 Harris County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Nassau Bay apart

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

  1. Nearby, in Bacliff, the typical home value is $201,500: 46% less than in Nassau Bay ($374,600).

  2. The typical home in Nassau Bay is worth $374,600, 35% more than in Harris County as a whole ($276,600).

  3. Nassau Bay has the 34th lowest homeownership rate of the 426 cities in Texas with more than 5,000 people (49%).

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

The homes here

Housing in Nassau Bay

What homes there are in Nassau Bay, 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

No kind of home is the majority in Nassau Bay; the largest group, detached houses, adds up to 33%, less than in Harris County (57%).

Year built

In Nassau Bay, half of the homes were built before 1970; in Harris County, before 1988.

Homes in Nassau Bay are smaller: 41% have 3 bedrooms or more; in Harris County, 57%.

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

$2,805 a month

Harris County: $2,155 a month

Without a mortgage

$1,249 a month

Harris County: $744 a month

Owners with a mortgage

44%

Harris County: 57%

In Nassau Bay, 44% of owners have a mortgage, and their typical cost is $2,805 a month, against $2,155 in Harris County. Without one it drops to $1,249.

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 Nassau Bay gained value more slowly than in Harris County: 54% since 2015–2019, against 57%.

Rents in Nassau Bay rose more slowly than in Harris County: 15% since 2015–2019, against 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

MeasureNassau BayHarris CountyTexasUnited States
Rental vacancy 15.6%9.3%7.7%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room Unreliable estimate6.6%4.8%3.4%
People per household 2.022.732.692.53
Drive alone 67%70%71%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 14%13%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

The rental vacancy rate in Nassau Bay is 15.6%, higher than in Harris County (9.3%).

Households in Nassau Bay are smaller: 2.02 people on average; in Harris County, 2.73.

To get to work, 67% of workers in Nassau Bay drive alone; in Harris County, 70%.

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 Nassau Bay?

A typical home costs more than the typical income allows

We start with a typical home in Nassau Bay, worth $374,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 54% of the typical household income in Nassau Bay, which is $71,696 a year. For that payment to be 28% of income, a household would need to earn about $137,836 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Nassau Bay. 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 $13,111 (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

$3,216

at 7.18% · 30 years

Loan amount
$367,815
Total interest
$529,200
Paid off in
November 2056

Includes $6,326 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,673 a month

  • Tight

    $1,673 to $2,151 a month

  • Hard

    more than $2,151 a month

    Your payment · 54%

Compared with the typical household income in Nassau Bay ($71,696 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,216
Principal & interest$2,492
Property tax$403
Home insurance$156
FHA mortgage insurance (MIP)$166

You need at least $13,111 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

Nassau Bay and Harris County

Nassau Bay is in Harris 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).

Nassau Bay's own numbers

Typical home value
$374,600
Typical monthly rent
$1,331
Typical yearly household income
$71,696
Households that own their home
49%
Effective property tax rate
1.29%

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

Numbers for all of Harris 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)
+31%
Homes in a high flood-risk zone
9.1%

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 Harris County.

Everything about Harris County

Buying

Buying a home in Nassau Bay

A typical home in Nassau Bay is worth $374,600: 35% above the county and 32% above Texas. With the typical household income in Nassau Bay ($71,696 a year), a typical home costs 5.2 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.

  • Nassau Bay 5.2 years
  • Harris 3.7 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harris County

According to FHFA’s house price index, home prices in Harris County rose 54% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +0.6% +0.8% +2.9%
5 years (2020–2025) +31% +44% +47%
10 years (2015–2025) +54% +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

Nassau Bay next to Harris 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
  • Nassau Bay $374,600
  • Harris $276,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Nassau Bay $1,331
  • Harris $1,401
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Nassau Bay $71,696
  • Harris $74,983
  • Texas $78,476
  • United States $80,734
See the full table
Nassau Bay next to Harris County and Texas
Measure Nassau Bay Harris County Texas U.S.
Typical home value $374,600 $276,600 $283,800 $332,700
Typical monthly rent $1,331 $1,401 $1,403 $1,413
Typical yearly household income $71,696 $74,983 $78,476 $80,734
Households that own their home 49% 55% 63% 65%
Typical yearly property tax $4,850 $4,489 $4,232 $3,119
Effective property tax rate 1.29% 1.62% 1.49% 0.94%
Renters with high rent for their income 48% 54% 52% 51%

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

For a typical $374,600 home in Nassau Bay, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Nassau Bay's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,216a month

    Least cash to close
    Down payment
    $13,111
    Cash to close
    $24,349
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $166

  • Conventional, 5% down $3,148a month

    Down payment
    $18,730
    Cash to close
    $29,968
    Rate
    7.18%
    Mortgage insurance
    PMI · $178

  • Conventional, 20% down, no PMI $2,589a month

    Down payment
    $74,920
    Cash to close
    $86,158
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,935a month

    Down payment
    $56,190
    Cash to close
    $67,428
    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 Nassau Bay and for Harris County.

Property tax

Effective rate in Nassau Bay

1.29%of the home’s value each year

$4,850 a year for the typical owner in Nassau Bay.

  • Nassau Bay 1.29%
  • Harris 1.62%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Harris County

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

Homes in the high-risk zone
9.1%
113,215
Of those, with NFIP insurance
48%
County Texas U.S.
Homes in the high-risk zone 9.1% 4.1% 3.5%
Of those, with NFIP insurance 48% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Nassau Bay

Typical rent in Nassau Bay is $1,331 a month: 5% below the county. In Nassau Bay, 48% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harris 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 Harris 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 Nassau Bay

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Nassau Bay is in ZIP code 77058.

For 2 bedrooms it is $1,540: $43 more than the fair market rent for Harris County ($1,497).

  • 77058 $1,540$2,080

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Nassau Bay 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 Nassau Bay

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.

There are 13 HUD-approved agencies with an office in Harris County; 8 say they serve in Spanish.

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Nassau Bay

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

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

  • Tejano Center for Community Concerns

    1062 Fairmont Pkwy, Pasadena · 10 miles away · Spanish

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

  • Keystone Community Development Corporation

    309 W X St, Deer Park · 11 miles away

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

  • Houston Area Urban League

    5260 Griggs Rd, Houston · 18 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (713) 393-8700

Every agency in Harris County All counseling agencies in Texas

Help in Spanish near Nassau Bay

1 of the 3 agencies on this list says it serves 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 Nassau Bay

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

3 other authorities have an office in Harris County: see the list Source: HUD

Cities

Other cities in Harris County

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

Everything about Harris County Housing in Texas
See 9 more cities in Harris County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

The cities closest to Nassau Bay, with the typical home value.

Neighboring counties

If Harris 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 Nassau Bay.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Nassau Bay

Short answers with the numbers for Nassau Bay and all of Harris 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 Nassau Bay?

The typical home value in Nassau Bay is $374,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harris County it is $276,600.

How much does it cost to rent in Nassau Bay?

Typical rent in Nassau Bay is $1,331 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harris County is $1,497.

What is the FHA loan limit in Nassau Bay?

Nassau Bay uses the FHA limit for all of Harris 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 Nassau Bay?

The typical homeowner in Nassau Bay pays $4,850 a year, according to the U.S. Census Bureau. That is 1.29% of the home’s value; in Harris County, the rate is 1.62%.

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

There are 13 HUD-approved counseling agencies with an office in Harris County. 8 say they serve in Spanish. 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).