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City · 8,542 residents · Grimes County, Texas

Navasota , Texas

In Navasota, a typical home is worth $208,100 and typical rent is $860 a month. Compared with all of Grimes County, typical household income is 27% lower, typical rent is 20% lower, and the share of households that own their home is 20 points lower.

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  • Typical home value

    $208,100

    12% below the county

    27% below Texas

    • Navasota
    • Grimes
    • Texas

  • Typical rent

    $860a month

    20% below the county

    39% below Texas

    • Navasota
    • Grimes
    • Texas

  • Typical household income

    $51,276a year

    27% below the county

    35% below Texas

    • Navasota
    • Grimes
    • Texas

  • Households that own their home

    60%

    20 points below the county

    2 points below Texas

    • Navasota
    • Grimes
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$273,920
2.1% less than 12 months ago

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

Navasota is in Grimes 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 Grimes County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Navasota apart

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

  1. 60% of households in Navasota own their home, against 80% in Grimes County.

  2. The typical household income in Navasota is $51,276, 27% less than in Grimes County as a whole ($69,803).

  3. Nearby, in Prairie View, the typical home value is $167,600: 19% less than in Navasota ($208,100).

  4. The typical rent in Navasota is $860 a month, 20% less than in Grimes County as a whole ($1,069).

  5. 20% of households in Navasota have no internet at home (14% in Grimes County).

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

The homes here

Housing in Navasota

What homes there are in Navasota, 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 are the majority in Navasota (67%), but less so than in Grimes County (71%).

Year built

The typical home in Navasota was built in 1985, 12 years before the typical one in Grimes 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
Monthly rent with utilities

With a mortgage

$1,729 a month

Grimes County: $1,681 a month

Without a mortgage

$553 a month

Grimes County: $548 a month

Owners with a mortgage

48%

Grimes County: 43%

Owning costs about the same in Navasota as in Grimes County: with a mortgage, $1,729 a month; without one, $553.

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 Navasota gained value faster than in Grimes County: 65% against 60%.

The typical rent in Navasota stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureNavasotaGrimes 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 estimate5.7%4.8%3.4%
People per household 3.052.712.692.53
Drive alone 71%79%71%69%
Carpool 11%9%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimate8%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.05 on average, against 2.71 in Grimes County.

In Navasota, 71% of workers drive alone to work; in Grimes County, 79%.

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 Navasota?

A typical home costs more than the typical income allows

We start with a typical home in Navasota, worth $208,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income in Navasota, which is $51,276 a year. For that payment to be 28% of income, a household would need to earn about $76,348 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Navasota. 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 $7,284 (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

$1,781

at 7.18% · 30 years

Loan amount
$204,330
Total interest
$293,983
Paid off in
November 2056

Includes $3,514 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,196 a month

  • Tight

    $1,196 to $1,538 a month

  • Hard

    more than $1,538 a month

    Your payment · 42%

Compared with the typical household income in Navasota ($51,276 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,781
Principal & interest$1,384
Property tax$219
Home insurance$87
FHA mortgage insurance (MIP)$92

You need at least $7,284 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

Navasota and Grimes County

Navasota is in Grimes 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).

Navasota's own numbers

Typical home value
$208,100
Typical monthly rent
$860
Typical yearly household income
$51,276
Households that own their home
60%
Effective property tax rate
1.26%

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

Numbers for all of Grimes County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,154
Price change over 5 years (FHFA)
+61%
Homes in a high flood-risk zone
4%

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 Grimes County.

Everything about Grimes County

Buying

Buying a home in Navasota

A typical home in Navasota is worth $208,100: 12% below the county and 27% below Texas. With the typical household income in Navasota ($51,276 a year), a typical home costs 4.1 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.

  • Navasota 4.1 years
  • Grimes 3.4 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Grimes County

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

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

Period County Texas U.S.
Last year (2025) +4.3% +0.8% +2.9%
5 years (2020–2025) +61% +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

Navasota next to Grimes 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
  • Navasota $208,100
  • Grimes $237,400
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Navasota $860
  • Grimes $1,069
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Navasota $51,276
  • Grimes $69,803
  • Texas $78,476
  • United States $80,734
See the full table
Navasota next to Grimes County and Texas
Measure Navasota Grimes County Texas U.S.
Typical home value $208,100 $237,400 $283,800 $332,700
Typical monthly rent $860 $1,069 $1,403 $1,413
Typical yearly household income $51,276 $69,803 $78,476 $80,734
Households that own their home 60% 80% 63% 65%
Typical yearly property tax $2,620 $2,414 $4,232 $3,119
Effective property tax rate 1.26% 1.02% 1.49% 0.94%

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

For a typical $208,100 home in Navasota, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Navasota's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,781a month

    Least cash to close
    Down payment
    $7,284
    Cash to close
    $13,527
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $92

  • Conventional, 5% down $1,743a month

    Down payment
    $10,405
    Cash to close
    $16,648
    Rate
    7.18%
    Mortgage insurance
    PMI · $99

  • Conventional, 20% down, no PMI $1,433a month

    Down payment
    $41,620
    Cash to close
    $47,863
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,625a month

    Down payment
    $31,215
    Cash to close
    $37,458
    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 Navasota and for Grimes County.

Property tax

Effective rate in Navasota

1.26%of the home’s value each year

$2,620 a year for the typical owner in Navasota.

  • Navasota 1.26%
  • Grimes 1.02%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Grimes County

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

Homes in the high-risk zone
4%
398
Of those, with NFIP insurance
16%
County Texas U.S.
Homes in the high-risk zone 4% 4.1% 3.5%
Of those, with NFIP insurance 16% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Navasota

Typical rent in Navasota is $860 a month: 20% below the county.

HUD publishes a fair market rent for all of Grimes County, by unit size. To pay the 2-bedroom one ($1,154 a month) without spending more than 30% of your income, you would need to earn $22.19 an hour working full time.

HUD fair market rent for all of Grimes 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 $877 $16.87 $35,080
1 bedroom $919 $17.67 $36,760
2 bedrooms $1,154 $22.19 $46,160
3 bedrooms $1,403 $26.98 $56,120
4 bedrooms $1,662 $31.96 $66,480

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 Navasota

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Navasota is in ZIP code 77868.

For 2 bedrooms it is $1,100: $54 less than the fair market rent for Grimes County ($1,154).

  • 77868 $1,100$1,350

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

HUD lists 6 buildings with rents for lower incomes in Navasota. These are the largest.

  • Prince Hall Plaza 700 Doris St, Navasota 77868 60 low-income homes · For families (936) 825-7935
  • Allen White Village 501 Allen White Vlg, Navasota 77868 50 low-income homes · Run by Housing Authority of City of Navasota · Average payment: $484 a month · Average wait: 3 months (936) 825-7024
  • Buckingham Gardens 209 Buckingham Ln, Navasota 77868 49 homes, 48 low-income · For older adults (936) 825-1999
  • Laredo Heights Apts 516 Laredo St, Navasota 77868 48 low-income homes · 1 bd: 8 · 2 bd: 40 · In service since 1996
  • Navasota Manor Apts 1015 Church St, Navasota 77868 40 low-income homes · 1 bd: 36 · 2 bd: 4 · In service since 1994

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

Free help

Help to buy or rent in Navasota

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Navasota

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

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

  • NSC (naca Counseling Subsidiary) - Houston, TX

    14425 Torrey Chase Blvd Ste 200, Houston · 45 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (713) 706-3400

  • Operation Hope - Houston TX

    10100 Katy Fwy, Houston · 53 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (832) 237-6747

  • Nid-Hca Dightman

    113 N Avenue H, Humble · 57 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 Navasota

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 Navasota

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

All housing agencies in Texas Source: HUD

Cities

Nearby cities

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

Everything about Grimes County Housing in Texas

Neighboring counties

If Grimes 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 Navasota.

All guides
Two girls write and draw together at the living-room table.

Questions

Housing questions about Navasota

Short answers with the numbers for Navasota and all of Grimes 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 Navasota?

The typical home value in Navasota is $208,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Grimes County it is $237,400.

How much does it cost to rent in Navasota?

Typical rent in Navasota is $860 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Grimes County is $1,154.

What is the FHA loan limit in Navasota?

Navasota uses the FHA limit for all of Grimes 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 Navasota?

The typical homeowner in Navasota pays $2,620 a year, according to the U.S. Census Bureau. That is 1.26% of the home’s value; in Grimes County, the rate is 1.02%.

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

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