In Rockdale, a typical home is worth $230,900. Compared with all of Milam County, the typical home value is 22% higher, typical household income is 8% lower, and the share of households that own their home is 14 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $216,487 to $233,172.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Rockdale is in Milam 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 Milam County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Cameron, the typical home value is $125,000: 46% less than in Rockdale ($230,900).
2
63% of households in Rockdale own their home, against 77% in Milam County.
3
The typical home in Rockdale is worth $230,900,22% more than in Milam County as a whole ($189,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Rockdale
What homes there are in Rockdale, 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
Rockdale
Milam County
Texas
United States
Kind of home: Rockdale and its comparisons
Measure
Rockdale
Milam County
Texas
United States
Detached house
83%
75%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
17%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Rockdale: 83% of homes, more than in Milam County (75%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Rockdale
Milam County
Texas
United States
Year built: Rockdale and its comparisons
Measure
Rockdale
Milam County
Texas
United States
Before 1960
26%
21%
12%
26%
1960–1979
31%
25%
21%
24%
1980–1999
30%
24%
28%
25%
2000–2009
Unreliable estimate
14%
18%
14%
2010 or later
Unreliable estimate
16%
21%
11%
In Rockdale, half of the homes were built before 1977; in Milam County, before 1983.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K26%
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K34%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Rockdale and its comparisons
Measure
Rockdale
Under $100K
26%
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
34%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Rockdale and its comparisons
Measure
Rockdale
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,978 a month
Milam County: $1,761 a month
Without a mortgage
$618 a month
Milam County: $541 a month
Owners with a mortgage
52%
Milam County: 39%
Owning costs more in Rockdale: with a mortgage, the typical cost is $1,978 a month; in Milam County, $1,761. Without one, $618.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Rockdale+145%
Milam County+77%
Texas+65%
United States+53%
Typical rent
RockdaleUnreliable
Milam County+34%
Texas+34%
United States+33%
Typical household income
RockdaleNo clear change
Milam County+38%
Texas+27%
United States+29%
Change since 2015–2019: Rockdale and its comparisons
Measure
Rockdale
Milam County
Texas
United States
Typical home value
+145%
+77%
+65%
+53%
Typical rent
Unreliable estimate
+34%
+34%
+33%
Typical household income
No clear change
+38%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Rockdale rose 145%; in Milam County, it rose 77%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Rockdale and its comparisons
Measure
Rockdale
Milam County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
5.0%
4.8%
3.4%
People per household
2.44
2.47
2.69
2.53
Drive alone
67%
77%
71%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
11%
10%
14%
15%
Other means
Unreliable estimate
3%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Rockdale look like those in Milam County: 2.44 people on average.
In Rockdale, 67% of workers drive alone to work; in Milam County, 77%.
Do the math
What would you pay each month for a home in Rockdale?
A typical home costs more than the typical income allows
We start with a typical home in Rockdale, worth $230,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Rockdale, which is $60,590 a year. For that payment to be 28% of income, a household would need to earn about $87,352 a year.
The calculator's FHA and conventional loan limits are those of all of Milam 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 Rockdale. 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 $8,082 (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
$2,038
at 7.18% · 30 years
Loan amount
$226,717
Total interest
$326,193
Paid off in
November 2056
Includes $3,899 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,414 a month
Tight
$1,414 to $1,818 a month
Hard
more than $1,818 a month
Your payment · 40%
Compared with the typical household income in Rockdale ($60,590 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,536
Property tax
$304
Home insurance
$96
FHA mortgage insurance (MIP)
$102
You need at least $8,082 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 $2,038; principal and interest $1,536.
The city and its county
Rockdale and Milam County
Rockdale is in Milam 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).
Rockdale
Map of Milam County, Texas, with Rockdale marked. Around it, the neighboring counties.
Rockdale
Milam County
Other cities with a page
Rockdale's own numbers
Typical home value
$230,900
Typical yearly household income
$60,590
Households that own their home
63%
Effective property tax rate
1.58%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Milam County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,126
Price change over 5 years (FHFA)
+57%
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 Milam County.
A typical home in Rockdale is worth $230,900: 22% above the county and 19% below Texas. With the typical household income in Rockdale ($60,590 a year), a typical home costs 3.8 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.
Rockdale3.8 years
Milam2.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Milam County
According to FHFA’s house price index, home prices in Milam County rose 118% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Milam County.
Yearly change in FHFA’s price index in Milam County, 2016 to 2025
2016: +6.8% +6.8% 2016
2017: +7.0% +7.0% 2017
2018: +9.3% +9.3% 2018
2019: +6.7% +6.7% 2019
2020: +4.5% +4.5% 2020
2021: +15.0% +15.0% 2021
2022: +28.9% +28.9% 2022
2023: +3.3% +3.3% 2023
2024: +2.8% +2.8% 2024
2025: −0.5% −0.5% 2025
Change in FHFA’s price index in Milam County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.5%
+0.8%
+2.9%
5 years (2020–2025)
+57%
+44%
+47%
10 years (2015–2025)
+118%
+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
Rockdale next to Milam 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
Rockdale$230,900
Milam$189,800
Texas$283,800
United States$332,700
Typical yearly household income
Rockdale$60,590
Milam$66,141
Texas$78,476
United States$80,734
See the full table
Rockdale next to Milam County and Texas
Measure
Rockdale
Milam County
Texas
U.S.
Typical home value
$230,900 ▲22% above the county
$189,800
$283,800
$332,700
Typical yearly household income
$60,590 ▼8% below the county
$66,141
$78,476
$80,734
Households that own their home
63% ▼14 points below the county
77%
63%
65%
Typical yearly property tax
$3,651 ▲95% above the county
$1,875
$4,232
$3,119
Effective property tax rate
1.58% ▲0.59 points above the county
0.99%
1.49%
0.94%
Renters with high rent for their income
57% ▲8 points above 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 Milam 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 Rockdale
For a typical $230,900 home in Rockdale, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rockdale's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,038a month
Least cash to close
Down payment
$8,082
Cash to close
$15,009
Rate
7.18%
Mortgage insurance
FHA MIP · $102
Conventional, 5% down$1,996a month
Down payment
$11,545
Cash to close
$18,472
Rate
7.18%
Mortgage insurance
PMI · $110
Conventional, 20% down, no PMI$1,652a month
Down payment
$46,180
Cash to close
$53,107
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,865a month
Down payment
$34,635
Cash to close
$41,562
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Rockdale
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,038
$8,082
$226,718
7.18%
FHA MIP · $102
$15,009
580
Conventional, 5% down
$1,996
$11,545
$219,355
7.18%
PMI · $110
$18,472
620*
Conventional, 20% down, no PMI
$1,652
$46,180
$184,720
7.18%
None
$53,107
620*
ITIN, 15% down (example)
$1,865
$34,635
$196,265
8.18%
None
$41,562
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.
The Census Bureau publishes no typical rent for Rockdale. Below are the fair market rents for Milam County. In Rockdale, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Milam County, by unit size. To pay the 2-bedroom one ($1,126 a month) without spending more than 30% of your income, you would need to earn $21.65 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 Milam County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$856
$16.46
$34,240
1 bedroom
$861
$16.56
$34,440
2 bedrooms
$1,126
$21.65
$45,040
3 bedrooms
$1,448
$27.85
$57,920
4 bedrooms
$1,793
$34.48
$71,720
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 Rockdale
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rockdale is in ZIP code 76567.
For 2 bedrooms it is $1,140: $14 more than the fair market rent for Milam County ($1,126).
Fair market rent by ZIP code and size in Rockdale, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
76567
$930
$980
$1,140
$1,490
$1,810
ZIP code2 bd3 bd
76567 $1,140$1,490
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rockdale 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 2 buildings with rents for lower incomes in Rockdale. These are the largest.
Hunters Chase Senior Apts1501 E Belton Ave, Rockdale 7656780 low-income homes · In service since 2013
Unnamed125 Cordova Dr, Rockdale 7656760 homes, 59 low-income · Run by Housing Authority of Rockdale · Average payment: $495 a month · Average wait: 18 months(512) 446-4180
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 Milam 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 Rockdale or Milam County. The ones below are statewide in Texas: they work in Rockdale 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 Rockdale or Milam 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 Rockdale and all of Milam 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 Rockdale?
The typical home value in Rockdale is $230,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Milam County it is $189,800.
What is the FHA loan limit in Rockdale?
Rockdale uses the FHA limit for all of Milam 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 Rockdale?
The typical homeowner in Rockdale pays $3,651 a year, according to the U.S. Census Bureau. That is 1.58% of the home’s value; in Milam County, the rate is 0.99%.
Where can I find free help to buy or rent in Rockdale?
We found no HUD-approved counseling agencies with an office in Milam County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
