In Port Neches, a typical home is worth $253,200 and typical rent is $1,095 a month. Compared with all of Jefferson County, the typical home value is 49% higher, typical household income is 36% higher, and the share of households that own their home is 8 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $210,352 to $247,428.
Typical rent
$1,474a month
Typical rent from Zillow, June 2026 to September 2026: from $1,428 to $1,474.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Port Neches is in Jefferson 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 Jefferson County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Port Arthur, the typical home value is $107,400: 58% less than in Port Neches ($253,200).
2
Port Neches has the 9th smallest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (34%).
3
The typical home in Port Neches is worth $253,200,49% more than in Jefferson County as a whole ($169,500).
4
According to Zillow, in the 12 months to September 2026 the typical home value in Port Neches rose 5.6%; in Texas, it fell 1.4%.
5
The typical household income in Port Neches is $81,637,36% more than in Jefferson County as a whole ($60,026).
6
Nearby, in Vidor, the typical rent is $820: 25% less than in Port Neches ($1,095).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Port Neches
What homes there are in Port Neches, 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
Port Neches
Jefferson County
Texas
United States
Kind of home: Port Neches and its comparisons
Measure
Port Neches
Jefferson County
Texas
United States
Detached house
83%
71%
64%
61%
Attached house
Unreliable estimate
3%
3%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
17%
21%
19%
Mobile home
Unreliable estimate
3%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Port Neches: 83% of homes, more than in Jefferson County (71%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Port Neches
Jefferson County
Texas
United States
Year built: Port Neches and its comparisons
Measure
Port Neches
Jefferson County
Texas
United States
Before 1960
14%
17%
12%
26%
1960–1979
51%
37%
21%
24%
1980–1999
20%
20%
28%
25%
2000–2009
7%
13%
18%
14%
2010 or later
9%
13%
21%
11%
Homes in Port Neches are older: the typical year built is 1972; in Jefferson County, 1978.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K27%
$200K–$300K32%
$300K–$500K28%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Port Neches and its comparisons
Measure
Port Neches
Under $100K
Unreliable estimate
$100K–$200K
27%
$200K–$300K
32%
$300K–$500K
28%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99938%
$1,000–$1,49940%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Port Neches and its comparisons
Measure
Port Neches
Under $500
Unreliable
$500–$999
38%
$1,000–$1,499
40%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$2,204 a month
Jefferson County: $1,737 a month
Without a mortgage
$690 a month
Jefferson County: $549 a month
Owners with a mortgage
52%
Jefferson County: 43%
The typical cost for an owner with a mortgage in Port Neches is $2,204 a month, more than in Jefferson County ($1,737); without one, $690.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Port Neches+53%
Jefferson County+50%
Texas+65%
United States+53%
Typical rent
Port NechesNo clear change
Jefferson County+28%
Texas+34%
United States+33%
Typical household income
Port NechesNo clear change
Jefferson County+17%
Texas+27%
United States+29%
Change since 2015–2019: Port Neches and its comparisons
Measure
Port Neches
Jefferson County
Texas
United States
Typical home value
+53%
+50%
+65%
+53%
Typical rent
No clear change
+28%
+34%
+33%
Typical household income
No clear change
+17%
+27%
+29%
From 2015–2019 to 2020–2024, home values in Port Neches rose at about the same pace as in Jefferson County: 53% against 50%.
The typical rent in Port Neches stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Port Neches and its comparisons
Measure
Port Neches
Jefferson County
Texas
United States
Rental vacancy
Unreliable estimate
6.7%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.7%
4.8%
3.4%
People per household
2.50
2.52
2.69
2.53
Drive alone
82%
86%
71%
69%
Carpool
9%
8%
10%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
3%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Jefferson County, a household in Port Neches has 2.50 people on average.
The car rules in Port Neches: 82% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.
Do the math
What would you pay each month for a home in Port Neches?
A typical home is tight for the typical income
We start with a typical home in Port Neches, worth $253,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Port Neches, which is $81,637 a year. For that payment to be 28% of income, a household would need to earn about $95,969 a year.
The calculator's FHA and conventional loan limits are those of all of Jefferson 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 Port Neches. 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 $8,862 (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
$2,239
at 7.18% · 30 years
Loan amount
$248,614
Total interest
$357,697
Paid off in
November 2056
Includes $4,276 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,905 a month
Tight
$1,905 to $2,449 a month
Your payment · 33%
Hard
more than $2,449 a month
Compared with the typical household income in Port Neches ($81,637 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,684
Property tax
$338
Home insurance
$106
FHA mortgage insurance (MIP)
$112
You need at least $8,862 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 $2,239; principal and interest $1,684.
The city and its county
Port Neches and Jefferson County
Port Neches is in Jefferson 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).
Port Neches
Map of Jefferson County, Texas, with Port Neches marked. Around it, the neighboring counties.
Port Neches
Jefferson County
Other cities with a page
Port Neches's own numbers
Typical home value
$253,200
Typical monthly rent
$1,095
Typical yearly household income
$81,637
Households that own their home
70%
Effective property tax rate
1.6%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Jefferson County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,218
Price change over 5 years (FHFA)
+31%
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 Jefferson County.
A typical home in Port Neches is worth $253,200: 49% above the county and 11% below Texas. With the typical household income in Port Neches ($81,637 a year), a typical home costs 3.1 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.
Port Neches3.1 years
Jefferson2.8 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Jefferson County
According to FHFA’s house price index, home prices in Jefferson County rose 61% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Jefferson County.
Yearly change in FHFA’s price index in Jefferson County, 2016 to 2025
2016: +4.4% +4.4% 2016
2017: +3.2% +3.2% 2017
2018: +5.6% +5.6% 2018
2019: +4.7% +4.7% 2019
2020: +3.5% +3.5% 2020
2021: +7.6% +7.6% 2021
2022: +10.7% +10.7% 2022
2023: +3.7% +3.7% 2023
2024: +4.0% +4.0% 2024
2025: +1.9% +1.9% 2025
Change in FHFA’s price index in Jefferson County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+1.9%
+0.8%
+2.9%
5 years (2020–2025)
+31%
+44%
+47%
10 years (2015–2025)
+61%
+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
Port Neches next to Jefferson 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
Port Neches$253,200
Jefferson$169,500
Texas$283,800
United States$332,700
Typical monthly rent
Port Neches$1,095
Jefferson$1,117
Texas$1,403
United States$1,413
Typical yearly household income
Port Neches$81,637
Jefferson$60,026
Texas$78,476
United States$80,734
See the full table
Port Neches next to Jefferson County and Texas
Measure
Port Neches
Jefferson County
Texas
U.S.
Typical home value
$253,200 ▲49% above the county
$169,500
$283,800
$332,700
Typical monthly rent
$1,095
$1,117
$1,403
$1,413
Typical yearly household income
$81,637 ▲36% above the county
$60,026
$78,476
$80,734
Households that own their home
70% ▲8 points above the county
63%
63%
65%
Typical yearly property tax
$4,046 ▲56% above the county
$2,600
$4,232
$3,119
Effective property tax rate
1.6% ▲0.07 points above the county
1.53%
1.49%
0.94%
Renters with high rent for their income
34% ▼19 points below the county
53%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Jefferson 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 Port Neches
For a typical $253,200 home in Port Neches, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Port Neches's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,239a month
Least cash to close
Down payment
$8,862
Cash to close
$16,458
Rate
7.18%
Mortgage insurance
FHA MIP · $112
Conventional, 5% down$2,193a month
Down payment
$12,660
Cash to close
$20,256
Rate
7.18%
Mortgage insurance
PMI · $120
Conventional, 20% down, no PMI$1,815a month
Down payment
$50,640
Cash to close
$58,236
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,049a month
Down payment
$37,980
Cash to close
$45,576
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Port Neches
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,239
$8,862
$248,614
7.18%
FHA MIP · $112
$16,458
580
Conventional, 5% down
$2,193
$12,660
$240,540
7.18%
PMI · $120
$20,256
620*
Conventional, 20% down, no PMI
$1,815
$50,640
$202,560
7.18%
None
$58,236
620*
ITIN, 15% down (example)
$2,049
$37,980
$215,220
8.18%
None
$45,576
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 Port Neches is $1,095 a month: about the same as the county. In Port Neches, 34% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Jefferson County, by unit size. To pay the 2-bedroom one ($1,218 a month) without spending more than 30% of your income, you would need to earn $23.42 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 Jefferson County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$980
$18.85
$39,200
1 bedroom
$986
$18.96
$39,440
2 bedrooms
$1,218
$23.42
$48,720
3 bedrooms
$1,588
$30.54
$63,520
4 bedrooms
$1,944
$37.38
$77,760
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 Port Neches
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Port Neches is in ZIP code 77651.
For 2 bedrooms it is $1,210: $8 less than the fair market rent for Jefferson County ($1,218).
Fair market rent by ZIP code and size in Port Neches, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77651
$970
$980
$1,210
$1,580
$1,930
ZIP code2 bd3 bd
77651 $1,210$1,580
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Port Neches 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.
There are 2 HUD-approved agencies with an office in Jefferson County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Port Neches or Jefferson County. The ones below are statewide in Texas: they work in Port Neches 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 Port Neches or Jefferson 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 Port Neches and all of Jefferson 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 Port Neches?
The typical home value in Port Neches is $253,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Jefferson County it is $169,500.
How much does it cost to rent in Port Neches?
Typical rent in Port Neches is $1,095 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Jefferson County is $1,218.
What is the FHA loan limit in Port Neches?
Port Neches uses the FHA limit for all of Jefferson 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 Port Neches?
The typical homeowner in Port Neches pays $4,046 a year, according to the U.S. Census Bureau. That is 1.6% of the home’s value; in Jefferson County, the rate is 1.53%.
Where can I find free help to buy or rent in Port Neches?
There are 2 HUD-approved counseling agencies with an office in Jefferson County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
