In Pharr, a typical home is worth $121,900 and typical rent is $1,037 a month. Compared with all of Hidalgo County, the typical home value is 13% lower, typical rent is 8% higher, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $126,454 to $160,714.
Typical rent
$1,116a month
▼ 2.1% less than 12 months ago
Typical rent from Zillow, September 2022 to September 2026: from $1,072 to $1,116.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Pharr is in Hidalgo 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 Hidalgo County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Murillo, the typical rent is $748: 28% less than in Pharr ($1,037).
2
59% of households in Pharr own their home, against 67% in Hidalgo County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Pharr
What homes there are in Pharr, 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
Pharr
Hidalgo County
Texas
United States
Kind of home: Pharr and its comparisons
Measure
Pharr
Hidalgo County
Texas
United States
Detached house
58%
65%
64%
61%
Attached house
3%
2%
3%
6%
Building of 2 to 4
16%
10%
5%
8%
Apartments (5 or more)
6%
9%
21%
19%
Mobile home
17%
14%
6%
6%
Boat, RV and other
Unreliable estimate
1%
0%
0%
In Pharr, 6 in 10 homes are single-family detached houses; in Hidalgo County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or later
Pharr
Hidalgo County
Texas
United States
Year built: Pharr and its comparisons
Measure
Pharr
Hidalgo County
Texas
United States
Before 1960
5%
4%
12%
26%
1960–1979
13%
13%
21%
24%
1980–1999
28%
33%
28%
25%
2000–2009
30%
27%
18%
14%
2010 or later
23%
22%
21%
11%
The typical year built in Pharr is 2001, about the same as in Hidalgo County (2000).
In Pharr, 60% of homes have 3 bedrooms or more, about the same as in Hidalgo 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 $100K42%
$100K–$200K36%
$200K–$300K14%
$300K–$500K7%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Pharr and its comparisons
Measure
Pharr
Under $100K
42%
$100K–$200K
36%
$200K–$300K
14%
$300K–$500K
7%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA limit for Hidalgo County is high ($541,287): at least 99% of owner-occupied homes in Pharr are worth less than $500,000.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5008%
$500–$99938%
$1,000–$1,49941%
HUD fair market rent, 2 bedrooms: $1,017
$1,500–$1,99911%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Pharr and its comparisons
Measure
Pharr
Under $500
8%
$500–$999
38%
$1,000–$1,499
41%
$1,500–$1,999
11%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
About 47% of rented homes in Pharr cost less than HUD's 2-bedroom fair market rent for Hidalgo County ($1,017); the rest cost more.
With a mortgage
$1,403 a month
Hidalgo County: $1,486 a month
Without a mortgage
$499 a month
Hidalgo County: $472 a month
Owners with a mortgage
38%
Hidalgo County: 39%
The typical cost for an owner with a mortgage in Pharr is $1,403 a month, less than in Hidalgo County ($1,486); without one, $499.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Pharr+51%
Hidalgo County+62%
Texas+65%
United States+53%
Typical rent
Pharr+38%
Hidalgo County+30%
Texas+34%
United States+33%
Typical household income
Pharr+32%
Hidalgo County+36%
Texas+27%
United States+29%
Change since 2015–2019: Pharr and its comparisons
Measure
Pharr
Hidalgo County
Texas
United States
Typical home value
+51%
+62%
+65%
+53%
Typical rent
+38%
+30%
+34%
+33%
Typical household income
+32%
+36%
+27%
+29%
The typical home value in Pharr rose 51% since 2015–2019, less than in Hidalgo County (62%).
The typical rent in Pharr rose 38% over the same time; in Hidalgo County, it rose 30%.
Here income did not keep up with housing: it rose 32%, while home values changed +51% and rent +38%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Pharr and its comparisons
Measure
Pharr
Hidalgo County
Texas
United States
Rental vacancy
5.0%
6.7%
7.7%
5.5%
Homeowner vacancy
2.2%
1.3%
1.1%
0.9%
More than one person per room
10.8%
10.9%
4.8%
3.4%
People per household
3.36
3.27
2.69
2.53
Drive alone
78%
75%
71%
69%
Carpool
12%
11%
10%
9%
Public transit
Unreliable estimate
0%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
7%
9%
14%
15%
Other means
3%
4%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
There is little rental housing open in Pharr: only 5.0% is empty and offered for rent, against 6.7% in Hidalgo County.
In Pharr, 10.8% of households live with more than one person per room, about the same as in Hidalgo County.
Much as in Hidalgo County, a household in Pharr has 3.36 people on average.
To get to work, 78% of workers in Pharr drive alone; in Hidalgo County, 75%.
Do the math
What would you pay each month for a home in Pharr?
A typical home is within reach of the typical income
We start with a typical home in Pharr, worth $121,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Pharr, which is $52,814 a year.
The calculator's FHA and conventional loan limits are those of all of Hidalgo 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 Pharr. 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 $4,267 (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
$1,127
at 7.18% · 30 years
Loan amount
$119,692
Total interest
$172,208
Paid off in
November 2056
Includes $2,059 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,232 a month
Your payment · 26%
Tight
$1,232 to $1,584 a month
Hard
more than $1,584 a month
Compared with the typical household income in Pharr ($52,814 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$811
Property tax
$211
Home insurance
$51
FHA mortgage insurance (MIP)
$54
You need at least $4,267 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 $1,127; principal and interest $811.
The city and its county
Pharr and Hidalgo County
Pharr is in Hidalgo 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).
Pharr
Map of Hidalgo County, Texas, with Pharr marked. Around it, the neighboring counties.
Pharr
Hidalgo County
Other cities with a page
Pharr's own numbers
Typical home value
$121,900
Typical monthly rent
$1,037
Typical yearly household income
$52,814
Households that own their home
59%
Effective property tax rate
2.08%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hidalgo County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,017
Price change over 5 years (FHFA)
+56%
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 Hidalgo County.
A typical home in Pharr is worth $121,900: 13% below the county and 57% below Texas. With the typical household income in Pharr ($52,814 a year), a typical home costs 2.3 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.
Pharr2.3 years
Hidalgo2.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hidalgo County
According to FHFA’s house price index, home prices in Hidalgo County rose 88% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hidalgo County.
Yearly change in FHFA’s price index in Hidalgo County, 2016 to 2025
2016: +3.6% +3.6% 2016
2017: +3.6% +3.6% 2017
2018: +4.0% +4.0% 2018
2019: +3.5% +3.5% 2019
2020: +4.4% +4.4% 2020
2021: +10.0% +10.0% 2021
2022: +17.9% +17.9% 2022
2023: +11.0% +11.0% 2023
2024: +4.3% +4.3% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Hidalgo County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+4.1%
+0.8%
+2.9%
5 years (2020–2025)
+56%
+44%
+47%
10 years (2015–2025)
+88%
+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
Pharr next to Hidalgo 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
Pharr$121,900
Hidalgo$140,900
Texas$283,800
United States$332,700
Typical monthly rent
Pharr$1,037
Hidalgo$957
Texas$1,403
United States$1,413
Typical yearly household income
Pharr$52,814
Hidalgo$54,338
Texas$78,476
United States$80,734
See the full table
Pharr next to Hidalgo County and Texas
Measure
Pharr
Hidalgo County
Texas
U.S.
Typical home value
$121,900 ▼13% below the county
$140,900
$283,800
$332,700
Typical monthly rent
$1,037 ▲8% above the county
$957
$1,403
$1,413
Typical yearly household income
$52,814 ▼3% below the county
$54,338
$78,476
$80,734
Households that own their home
59% ▼8 points below the county
67%
63%
65%
Typical yearly property tax
$2,537 ▲11% above the county
$2,279
$4,232
$3,119
Effective property tax rate
2.08% ▲0.46 points above the county
1.62%
1.49%
0.94%
Renters with high rent for their income
43% ▼6 points below the county
49%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hidalgo 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 Pharr
For a typical $121,900 home in Pharr, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Pharr's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,127a month
Least cash to close
Down payment
$4,267
Cash to close
$7,924
Rate
7.18%
Mortgage insurance
FHA MIP · $54
Conventional, 5% down$1,104a month
Down payment
$6,095
Cash to close
$9,752
Rate
7.18%
Mortgage insurance
PMI · $58
Conventional, 20% down, no PMI$923a month
Down payment
$24,380
Cash to close
$28,037
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,035a month
Down payment
$18,285
Cash to close
$21,942
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Pharr
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,127
$4,267
$119,692
7.18%
FHA MIP · $54
$7,924
580
Conventional, 5% down
$1,104
$6,095
$115,805
7.18%
PMI · $58
$9,752
620*
Conventional, 20% down, no PMI
$923
$24,380
$97,520
7.18%
None
$28,037
620*
ITIN, 15% down (example)
$1,035
$18,285
$103,615
8.18%
None
$21,942
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 Pharr is $1,037 a month: 8% above the county. In Pharr, 43% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hidalgo County, by unit size. To pay the 2-bedroom one ($1,017 a month) without spending more than 30% of your income, you would need to earn $19.56 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 Hidalgo County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$801
$15.40
$32,040
1 bedroom
$806
$15.50
$32,240
2 bedrooms
$1,017
$19.56
$40,680
3 bedrooms
$1,305
$25.10
$52,200
4 bedrooms
$1,439
$27.67
$57,560
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 Pharr
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Pharr is in ZIP code 78577.
For 2 bedrooms it is $1,080: $63 more than the fair market rent for Hidalgo County ($1,017).
Fair market rent by ZIP code and size in Pharr, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78577
$850
$860
$1,080
$1,390
$1,530
ZIP code2 bd3 bd
78577 $1,080$1,390
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Pharr 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 11 buildings with rents for lower incomes in Pharr. These are the largest.
El Pueblo Dorado901 E Thomas Rd, Pharr 78577176 low-income homes · In service since 2002
Jardines de la Fuente1701 W Las Milpas Rd, Pharr 78577200 homes, 160 low-income · In service since 2004
Valley View Apts1401 W Anaya Rd, Pharr 78577128 homes, 121 low-income · In service since 2004
MEADOW HEIGHTS/Las Milpas Homes715 W Park Ave, Pharr 78577104 low-income homes · Run by Pharr Housing Authority · Average payment: $486 a month · Average wait: 23 months · Homes at several sites(956) 787-1822
Las Canteras Apts415 E Thomas Rd, Pharr 78577100 low-income homes · 1 bd: 24 · 2 bd: 44 · 3 bd: 32 · In service since 2006
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 is 1 HUD-approved agency with an office in Hidalgo County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Pharr or Hidalgo County. The ones below are statewide in Texas: they work in Pharr 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 Pharr or Hidalgo 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 Pharr and all of Hidalgo 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 Pharr?
The typical home value in Pharr is $121,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hidalgo County it is $140,900.
How much does it cost to rent in Pharr?
Typical rent in Pharr is $1,037 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hidalgo County is $1,017.
What is the FHA loan limit in Pharr?
Pharr uses the FHA limit for all of Hidalgo 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 Pharr?
The typical homeowner in Pharr pays $2,537 a year, according to the U.S. Census Bureau. That is 2.08% of the home’s value; in Hidalgo County, the rate is 1.62%.
Where can I find free help to buy or rent in Pharr?
There is 1 HUD-approved counseling agency with an office in Hidalgo County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
