In Paris, a typical home is worth $150,000 and typical rent is $971 a month. Compared with all of Lamar County, the typical home value is 25% lower, typical household income is 24% lower, and the share of households that own their home is 18 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $161,986 to $170,954.
Typical rent
$1,348a month
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Paris is in Lamar 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 Lamar County. See the county
What this place has that others do not, from public data, most unusual first.
1
48% of households in Paris own their home, against 66% in Lamar County.
2
The typical home in Paris is worth $150,000,25% less than in Lamar County as a whole ($200,700).
3
The typical household income in Paris is $47,239,24% less than in Lamar County as a whole ($61,880).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Paris
What homes there are in Paris, 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
Paris
Lamar County
Texas
United States
Kind of home: Paris and its comparisons
Measure
Paris
Lamar County
Texas
United States
Detached house
70%
76%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
12%
7%
5%
8%
Apartments (5 or more)
14%
8%
21%
19%
Mobile home
Unreliable estimate
7%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Paris, 7 in 10 homes are single-family detached houses; in Lamar County, 8.
Year built
Before 19601960–19791980–19992000–20092010 or later
Paris
Lamar County
Texas
United States
Year built: Paris and its comparisons
Measure
Paris
Lamar County
Texas
United States
Before 1960
18%
12%
12%
26%
1960–1979
32%
26%
21%
24%
1980–1999
29%
32%
28%
25%
2000–2009
12%
15%
18%
14%
2010 or later
9%
15%
21%
11%
The typical home in Paris was built in 1980, 7 years before the typical one in Lamar County.
Homes in Paris are smaller: 53% have 3 bedrooms or more; in Lamar County, 63%.
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 $100K31%
$100K–$200K31%
$200K–$300K21%
$300K–$500K13%
$500K–$750K4%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Paris and its comparisons
Measure
Paris
Under $100K
31%
$100K–$200K
31%
$200K–$300K
21%
$300K–$500K
13%
$500K–$750K
4%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
The FHA loan limit for Lamar County is $541,287, and about 96% of owner-occupied homes in Paris are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50010%
$500–$99943%
$1,000–$1,49936%
HUD fair market rent, 2 bedrooms: $1,036
$1,500–$1,9998%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Paris and its comparisons
Measure
Paris
Under $500
10%
$500–$999
43%
$1,000–$1,499
36%
$1,500–$1,999
8%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 55% of rented homes in Paris cost less than HUD's 2-bedroom fair market rent for Lamar County ($1,036); the rest cost more.
With a mortgage
$1,385 a month
Lamar County: $1,670 a month
Without a mortgage
$483 a month
Lamar County: $549 a month
Owners with a mortgage
45%
Lamar County: 42%
Owning costs less in Paris: with a mortgage, the typical cost is $1,385 a month; in Lamar County, $1,670. Without one, $483.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Paris+85%
Lamar County+103%
Texas+65%
United States+53%
Typical rent
Paris+35%
Lamar County+29%
Texas+34%
United States+33%
Typical household income
Paris+45%
Lamar County+37%
Texas+27%
United States+29%
Change since 2015–2019: Paris and its comparisons
Measure
Paris
Lamar County
Texas
United States
Typical home value
+85%
+103%
+65%
+53%
Typical rent
+35%
+29%
+34%
+33%
Typical household income
+45%
+37%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Paris rose 85%; in Lamar County, it rose 103%.
Rents in Paris rose faster than in Lamar County: 35% since 2015–2019, against 29%.
The typical household income in Paris rose 45% over that time; home values changed +85% and rent +35%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Paris and its comparisons
Measure
Paris
Lamar County
Texas
United States
Rental vacancy
6.7%
6.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
4.1%
3.1%
4.8%
3.4%
People per household
2.44
2.49
2.69
2.53
Drive alone
73%
77%
71%
69%
Carpool
15%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
8%
9%
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
In Paris, the rental vacancy rate is 6.7%, about the same as in Lamar County.
More households are short on space in Paris: 4.1% have more than one person per room; in Lamar County, 3.1%.
A household in Paris has 2.44 people on average, about the same as in Lamar County (2.49).
Carpooling is common in Paris: 15% of workers get to work that way, against 11% in Lamar County.
Do the math
What would you pay each month for a home in Paris?
A typical home is tight for the typical income
We start with a typical home in Paris, worth $150,000, 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 Paris, which is $47,239 a year. For that payment to be 28% of income, a household would need to earn about $53,961 a year.
The calculator's FHA and conventional loan limits are those of all of Lamar 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 Paris. 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 $5,250 (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
$1,259
at 7.18% · 30 years
Loan amount
$147,283
Total interest
$211,906
Paid off in
November 2056
Includes $2,533 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,102 a month
Tight
$1,102 to $1,417 a month
Your payment · 32%
Hard
more than $1,417 a month
Compared with the typical household income in Paris ($47,239 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$998
Property tax
$133
Home insurance
$63
FHA mortgage insurance (MIP)
$66
You need at least $5,250 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 $1,259; principal and interest $998.
The city and its county
Paris and Lamar County
Paris is in Lamar 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).
Paris
Map of Lamar County, Texas, with Paris marked. Around it, the neighboring counties.
Paris
Lamar County
Paris's own numbers
Typical home value
$150,000
Typical monthly rent
$971
Typical yearly household income
$47,239
Households that own their home
48%
Effective property tax rate
1.06%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lamar County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,036
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
3.1%
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 Lamar County.
A typical home in Paris is worth $150,000: 25% below the county and 47% below Texas. With the typical household income in Paris ($47,239 a year), a typical home costs 3.2 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.
Paris3.2 years
Lamar3.2 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lamar County
According to FHFA’s house price index, home prices in Lamar County rose 115% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lamar County.
Yearly change in FHFA’s price index in Lamar County, 2016 to 2025
2016: +7.3% +7.3% 2016
2017: +6.3% +6.3% 2017
2018: +4.3% +4.3% 2018
2019: +5.7% +5.7% 2019
2020: +5.9% +5.9% 2020
2021: +14.1% +14.1% 2021
2022: +18.9% +18.9% 2022
2023: +11.8% +11.8% 2023
2024: +1.6% +1.6% 2024
2025: +4.9% +4.9% 2025
Change in FHFA’s price index in Lamar County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+4.9%
+0.8%
+2.9%
5 years (2020–2025)
+62%
+44%
+47%
10 years (2015–2025)
+115%
+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
Paris next to Lamar 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
Paris$150,000
Lamar$200,700
Texas$283,800
United States$332,700
Typical monthly rent
Paris$971
Lamar$949
Texas$1,403
United States$1,413
Typical yearly household income
Paris$47,239
Lamar$61,880
Texas$78,476
United States$80,734
See the full table
Paris next to Lamar County and Texas
Measure
Paris
Lamar County
Texas
U.S.
Typical home value
$150,000 ▼25% below the county
$200,700
$283,800
$332,700
Typical monthly rent
$971 ▲2% above the county
$949
$1,403
$1,413
Typical yearly household income
$47,239 ▼24% below the county
$61,880
$78,476
$80,734
Households that own their home
48% ▼18 points below the county
66%
63%
65%
Typical yearly property tax
$1,588 ▼9% below the county
$1,748
$4,232
$3,119
Effective property tax rate
1.06% ▲0.19 points above the county
0.87%
1.49%
0.94%
Renters with high rent for their income
48% ▲3 points above the county
45%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lamar 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 Paris
For a typical $150,000 home in Paris, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Paris's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,259a month
Least cash to close
Down payment
$5,250
Cash to close
$9,750
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,232a month
Down payment
$7,500
Cash to close
$12,000
Rate
7.18%
Mortgage insurance
PMI · $71
Conventional, 20% down, no PMI$1,008a month
Down payment
$30,000
Cash to close
$34,500
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,147a month
Down payment
$22,500
Cash to close
$27,000
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Paris
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,259
$5,250
$147,283
7.18%
FHA MIP · $66
$9,750
580
Conventional, 5% down
$1,232
$7,500
$142,500
7.18%
PMI · $71
$12,000
620*
Conventional, 20% down, no PMI
$1,008
$30,000
$120,000
7.18%
None
$34,500
620*
ITIN, 15% down (example)
$1,147
$22,500
$127,500
8.18%
None
$27,000
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 Paris is $971 a month: 2% above the county. In Paris, 48% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lamar County, by unit size. To pay the 2-bedroom one ($1,036 a month) without spending more than 30% of your income, you would need to earn $19.92 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 Lamar County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$787
$15.13
$31,480
1 bedroom
$793
$15.25
$31,720
2 bedrooms
$1,036
$19.92
$41,440
3 bedrooms
$1,354
$26.04
$54,160
4 bedrooms
$1,362
$26.19
$54,480
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 Paris
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Paris has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,020 in 75462 to $1,040 in 75460.
1 of the 2 is above the fair market rent for Lamar County ($1,036).
Fair market rent by ZIP code and size in Paris, fiscal year 2027.
75460
$790
$800
$1,040
$1,360
$1,370
75462
$780
$780
$1,020
$1,330
$1,340
ZIP code2 bd3 bd
75460 $1,040$1,360
75462 $1,020$1,330
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Paris 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)
HUD lists 7 buildings with rents for lower incomes in Paris. These are the largest.
George W. Wright Homes650 7th St SW, Paris 75460234 low-income homes · Run by Housing Authority of the City of Paris · Average payment: $311 a month · Average wait: 10 months(903) 784-6651
Park Gardens North320 Stone Ave, Paris 75460100 low-income homes · For families(903) 785-1861
Residences on Stillhouse Road2810 Stillhouse Rd, Paris 7546276 homes, 72 low-income · In service since 2004 · For older adults
Paris Retirement Village1400 W Washington St, Paris 7546076 homes, 68 low-income · In service since 2004 · For older adults
Ridgeview Townhomes210 Stone Ave, Paris 7546068 homes, 67 low-income · 1 bd: 12 · 2 bd: 34 · 3 bd: 22 · In service since 1999
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 Lamar 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 Paris or Lamar County. The ones below are statewide in Texas: they work in Paris 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).
No legal help resource on our list is for Paris or Lamar 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 Paris and all of Lamar 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 Paris?
The typical home value in Paris is $150,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lamar County it is $200,700.
How much does it cost to rent in Paris?
Typical rent in Paris is $971 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lamar County is $1,036.
What is the FHA loan limit in Paris?
Paris uses the FHA limit for all of Lamar 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 Paris?
The typical homeowner in Paris pays $1,588 a year, according to the U.S. Census Bureau. That is 1.06% of the home’s value; in Lamar County, the rate is 0.87%.
Where can I find free help to buy or rent in Paris?
We found no HUD-approved counseling agencies with an office in Lamar County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
