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City · 20,543 residents · San Patricio County, Texas

Portland , Texas

In Portland, a typical home is worth $234,800 and typical rent is $1,577 a month. Compared with all of San Patricio County, typical rent is 22% higher and the typical home value is 22% higher.

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  • Typical home value

    $234,800

    22% above the county

    17% below Texas

    • Portland
    • San Patricio
    • Texas

  • Typical rent

    $1,577a month

    22% above the county

    12% above Texas

    • Portland
    • San Patricio
    • Texas

  • Typical household income

    $83,865a year

    20% above the county

    7% above Texas

    • Portland
    • San Patricio
    • Texas

  • Households that own their home

    63%

    4 points below the county

    1 points above Texas

    • Portland
    • San Patricio
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$269,720
1.7% more than 12 months ago
Typical rent
$1,582 a month
8.5% more than 12 months ago

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

Portland is in San Patricio 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 San Patricio County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Portland apart

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

  1. Nearby, in Sinton, the typical rent is $938: 41% less than in Portland ($1,577).

  2. Nearby, in Sinton, the typical home value is $142,000: 40% less than in Portland ($234,800).

  3. The typical rent in Portland is $1,577 a month, 22% more than in San Patricio County as a whole ($1,291).

  4. The typical home in Portland is worth $234,800, 22% more than in San Patricio County as a whole ($192,400).

  5. According to Zillow, in the 12 months to September 2026 the typical home value in Portland rose 1.7%; in Texas, it fell 1.4%.

  6. The typical household income in Portland is $83,865, 20% more than in San Patricio County as a whole ($69,704).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Portland

What homes there are in Portland, 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

As in San Patricio County, most homes in Portland are detached houses (71%).

Year built

Here half of the homes date from 1987 or later; in San Patricio County, from 1982 or later.

There is more room for a big family here: 70% of homes have 3 bedrooms or more, against 63% in San Patricio 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

About 94% of owner-occupied homes in Portland are worth less than the FHA loan limit for San Patricio County ($541,287).

Monthly rent with utilities

With a mortgage

$2,088 a month

San Patricio County: $1,855 a month

Without a mortgage

$828 a month

San Patricio County: $594 a month

Owners with a mortgage

56%

San Patricio County: 45%

Owning costs more in Portland: with a mortgage, the typical cost is $2,088 a month; in San Patricio County, $1,855. Without one, $828.

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

From 2015–2019 to 2020–2024, the typical home value in Portland rose 40%; in San Patricio County, it rose 58%.

Rents in Portland rose more slowly than in San Patricio County: 26% since 2015–2019, against 32%.

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

MeasurePortlandSan Patricio CountyTexasUnited States
Rental vacancy Unreliable estimate6.4%7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate4.8%4.8%3.4%
People per household 2.712.742.692.53
Drive alone 81%83%71%69%
Carpool 8%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 9%7%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Portland has 2.71 people on average, about the same as in San Patricio County (2.74).

In Portland, 81% of workers drive alone to work; in San Patricio County, 83%.

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 Portland?

A typical home is tight for the typical income

We start with a typical home in Portland, worth $234,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Portland, which is $83,865 a year. For that payment to be 28% of income, a household would need to earn about $91,176 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Portland. 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 $8,218 (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

$2,127

at 7.18% · 30 years

Loan amount
$230,547
Total interest
$331,703
Paid off in
November 2056

Includes $3,965 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,957 a month

  • Tight

    $1,957 to $2,516 a month

    Your payment · 30%

  • Hard

    more than $2,516 a month

Compared with the typical household income in Portland ($83,865 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,127
Principal & interest$1,562
Property tax$364
Home insurance$98
FHA mortgage insurance (MIP)$104

You need at least $8,218 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

Portland and San Patricio County

Portland is in San Patricio 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).

Portland's own numbers

Typical home value
$234,800
Typical monthly rent
$1,577
Typical yearly household income
$83,865
Households that own their home
63%
Effective property tax rate
1.86%

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

Numbers for all of San Patricio County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,421
Price change over 5 years (FHFA)
+39%
Homes in a high flood-risk zone
12%

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 San Patricio County.

Everything about San Patricio County

Buying

Buying a home in Portland

A typical home in Portland is worth $234,800: 22% above the county and 17% below Texas. With the typical household income in Portland ($83,865 a year), a typical home costs 2.8 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.

  • Portland 2.8 years
  • San Patricio 2.8 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in San Patricio County

According to FHFA’s house price index, home prices in San Patricio County rose 70% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +1.5% +0.8% +2.9%
5 years (2020–2025) +39% +44% +47%
10 years (2015–2025) +70% +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

Portland next to San Patricio 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
  • Portland $234,800
  • San Patricio $192,400
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Portland $1,577
  • San Patricio $1,291
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Portland $83,865
  • San Patricio $69,704
  • Texas $78,476
  • United States $80,734
See the full table
Portland next to San Patricio County and Texas
Measure Portland San Patricio County Texas U.S.
Typical home value $234,800 $192,400 $283,800 $332,700
Typical monthly rent $1,577 $1,291 $1,403 $1,413
Typical yearly household income $83,865 $69,704 $78,476 $80,734
Households that own their home 63% 67% 63% 65%
Typical yearly property tax $4,376 $2,866 $4,232 $3,119
Effective property tax rate 1.86% 1.49% 1.49% 0.94%
Renters with high rent for their income 52% 51% 52% 51%

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

For a typical $234,800 home in Portland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Portland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,127a month

    Least cash to close
    Down payment
    $8,218
    Cash to close
    $15,262
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $104

  • Conventional, 5% down $2,084a month

    Down payment
    $11,740
    Cash to close
    $18,784
    Rate
    7.18%
    Mortgage insurance
    PMI · $112

  • Conventional, 20% down, no PMI $1,734a month

    Down payment
    $46,960
    Cash to close
    $54,004
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,951a month

    Down payment
    $35,220
    Cash to close
    $42,264
    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 Portland and for San Patricio County.

Property tax

Effective rate in Portland

1.86%of the home’s value each year

$4,376 a year for the typical owner in Portland.

  • Portland 1.86%
  • San Patricio 1.49%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in San Patricio County

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

Homes in the high-risk zone
12%
2,951
Of those, with NFIP insurance
32%
County Texas U.S.
Homes in the high-risk zone 12% 4.1% 3.5%
Of those, with NFIP insurance 32% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Portland

Typical rent in Portland is $1,577 a month: 22% above the county. In Portland, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of San Patricio County, by unit size. To pay the 2-bedroom one ($1,421 a month) without spending more than 30% of your income, you would need to earn $27.33 an hour working full time.

HUD fair market rent for all of San Patricio 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 $1,066 $20.50 $42,640
1 bedroom $1,176 $22.62 $47,040
2 bedrooms $1,421 $27.33 $56,840
3 bedrooms $1,855 $35.67 $74,200
4 bedrooms $2,087 $40.13 $83,480

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 Portland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Portland has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,440 in 78390 to $1,770 in 78374.

2 of the 2 are above the fair market rent for San Patricio County ($1,421).

  • 78374 $1,770$2,310
  • 78390 $1,440$1,890

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Portland 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 Portland

HUD lists one building with rents for lower incomes in Portland.

  • Fish Pond at Portland Sec of Akins Drive and Moore Avenue, Portland 78374 60 homes, 54 low-income · For older adults, people with disabilities, families, people experiencing homelessness

See all 19 buildings in San Patricio County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Portland

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Portland

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

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

  • Neighborhood Housing Services of San Antonio

    851 Steves Ave, San Antonio · 125 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (210) 533-6673

  • City of San Antonio/Dept of Neighborhood and Housing Services (DNHS)

    100 W Houston St, San Antonio · 127 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (210) 207-5309

  • Our Casas Resident Council, Inc.

    2300 W Commerce St Ste 218, San Antonio · 128 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (210) 354-2400

All counseling agencies in Texas

Help in Spanish near Portland

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 Portland

In HUD’s record, no housing authority with an office in San Patricio County is named for Portland or San Patricio County.

5 other authorities have an office in San Patricio County: see the list Source: HUD

Cities

Other cities in San Patricio County

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

Everything about San Patricio County Housing in Texas

Nearby cities

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

Neighboring counties

If San Patricio 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 Portland.

All guides
A mother holds hands with her two daughters on the beach at sunset.

Questions

Housing questions about Portland

Short answers with the numbers for Portland and all of San Patricio 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 Portland?

The typical home value in Portland is $234,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in San Patricio County it is $192,400.

How much does it cost to rent in Portland?

Typical rent in Portland is $1,577 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in San Patricio County is $1,421.

What is the FHA loan limit in Portland?

Portland uses the FHA limit for all of San Patricio 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 Portland?

The typical homeowner in Portland pays $4,376 a year, according to the U.S. Census Bureau. That is 1.86% of the home’s value; in San Patricio County, the rate is 1.49%.

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

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