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City · 40,646 residents · Fort Bend County, Texas

Rosenberg , Texas

In Rosenberg, a typical home is worth $219,100 and typical rent is $1,379 a month. Compared with all of Fort Bend County, typical household income is 42% lower, the typical home value is 41% lower, and the share of households that own their home is 23 points lower.

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  • Typical home value

    $219,100

    41% below the county

    23% below Texas

    • Rosenberg
    • Fort Bend
    • Texas

  • Typical rent

    $1,379a month

    24% below the county

    About the same as Texas

    • Rosenberg
    • Fort Bend
    • Texas

  • Typical household income

    $65,668a year

    42% below the county

    16% below Texas

    • Rosenberg
    • Fort Bend
    • Texas

  • Households that own their home

    54%

    23 points below the county

    8 points below Texas

    • Rosenberg
    • Fort Bend
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$310,616
2.2% less than 12 months ago
Typical rent
$1,793 a month
1.1% less than 12 months ago

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

Rosenberg is in Fort Bend 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 Fort Bend County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rosenberg apart

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

  1. 54% of households in Rosenberg own their home, against 77% in Fort Bend County.

  2. The typical household income in Rosenberg is $65,668, 42% less than in Fort Bend County as a whole ($114,041).

  3. The typical home in Rosenberg is worth $219,100, 41% less than in Fort Bend County as a whole ($374,500).

  4. The typical rent in Rosenberg is $1,379 a month, 24% less than in Fort Bend County as a whole ($1,807).

  5. 10% of households in Rosenberg have no internet at home (3% in Fort Bend County).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Rosenberg

What homes there are in Rosenberg, 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

In Rosenberg, 6 in 10 homes are single-family detached houses; in Fort Bend County, 8.

Mobile homes are 10% of homes in Rosenberg, more than in Fort Bend County (3%).

Year built

The typical home in Rosenberg was built in 1997, 8 years before the typical one in Fort Bend 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

At least 95% of owner-occupied homes in Rosenberg are worth less than $500,000, below the FHA loan limit for Fort Bend County ($541,287).

Monthly rent with utilities

With a mortgage

$1,752 a month

Fort Bend County: $2,665 a month

Without a mortgage

$662 a month

Fort Bend County: $1,008 a month

Owners with a mortgage

58%

Fort Bend County: 64%

In Rosenberg, 58% of owners have a mortgage, and their typical cost is $1,752 a month, against $2,665 in Fort Bend County. Without one it drops to $662.

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, home values in Rosenberg rose at about the same pace as in Fort Bend County: 42% against 41%.

Much as in Fort Bend County, the typical rent in Rosenberg rose 27% since 2015–2019.

The typical household income in Rosenberg rose 26% over that time; home values changed +42% and rent +27%.

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

MeasureRosenbergFort Bend CountyTexasUnited States
Rental vacancy 5.9%6.7%7.7%5.5%
Homeowner vacancy Unreliable estimate0.7%1.1%0.9%
More than one person per room 3.8%3.3%4.8%3.4%
People per household 2.673.032.692.53
Drive alone 78%70%71%69%
Carpool 10%9%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 9%18%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Rosenberg look like those in Fort Bend County: the rental vacancy rate is 5.9%.

More than one person per room: that is how 3.8% of households in Rosenberg live, near the figure in Fort Bend County (3.3%).

Households in Rosenberg are smaller: 2.67 people on average; in Fort Bend County, 3.03.

To get to work, 78% of workers in Rosenberg drive alone; in Fort Bend County, 70%.

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 Rosenberg?

A typical home is tight for the typical income

We start with a typical home in Rosenberg, worth $219,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Rosenberg, which is $65,668 a year. For that payment to be 28% of income, a household would need to earn about $82,653 a year.

The calculator's FHA and conventional loan limits are those of all of Fort Bend County.

Your numbers

Local data
$

Starts at the typical home value in Rosenberg. 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 $7,669 (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

$1,929

at 7.18% · 30 years

Loan amount
$215,131
Total interest
$309,523
Paid off in
November 2056

Includes $3,700 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,532 a month

  • Tight

    $1,532 to $1,970 a month

    Your payment · 35%

  • Hard

    more than $1,970 a month

Compared with the typical household income in Rosenberg ($65,668 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,929
Principal & interest$1,457
Property tax$283
Home insurance$91
FHA mortgage insurance (MIP)$97

You need at least $7,669 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

Rosenberg and Fort Bend County

Rosenberg is in Fort Bend 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).

Rosenberg's own numbers

Typical home value
$219,100
Typical monthly rent
$1,379
Typical yearly household income
$65,668
Households that own their home
54%
Effective property tax rate
1.55%

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

Numbers for all of Fort Bend County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,497
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
2.6%

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 Fort Bend County.

Everything about Fort Bend County

Buying

Buying a home in Rosenberg

A typical home in Rosenberg is worth $219,100: 41% below the county and 23% below Texas. With the typical household income in Rosenberg ($65,668 a year), a typical home costs 3.3 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.

  • Rosenberg 3.3 years
  • Fort Bend 3.3 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Fort Bend County

According to FHFA’s house price index, home prices in Fort Bend County rose 91% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +6.0% +0.8% +2.9%
5 years (2020–2025) +56% +44% +47%
10 years (2015–2025) +91% +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

Rosenberg next to Fort Bend 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
  • Rosenberg $219,100
  • Fort Bend $374,500
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Rosenberg $1,379
  • Fort Bend $1,807
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Rosenberg $65,668
  • Fort Bend $114,041
  • Texas $78,476
  • United States $80,734
See the full table
Rosenberg next to Fort Bend County and Texas
Measure Rosenberg Fort Bend County Texas U.S.
Typical home value $219,100 $374,500 $283,800 $332,700
Typical monthly rent $1,379 $1,807 $1,403 $1,413
Typical yearly household income $65,668 $114,041 $78,476 $80,734
Households that own their home 54% 77% 63% 65%
Typical yearly property tax $3,391 $6,965 $4,232 $3,119
Effective property tax rate 1.55% 1.86% 1.49% 0.94%
Renters with high rent for their income 54% 54% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fort Bend 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 Rosenberg

For a typical $219,100 home in Rosenberg, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rosenberg's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,929a month

    Least cash to close
    Down payment
    $7,669
    Cash to close
    $14,242
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $97

  • Conventional, 5% down $1,888a month

    Down payment
    $10,955
    Cash to close
    $17,528
    Rate
    7.18%
    Mortgage insurance
    PMI · $104

  • Conventional, 20% down, no PMI $1,562a month

    Down payment
    $43,820
    Cash to close
    $50,393
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,764a month

    Down payment
    $32,865
    Cash to close
    $39,438
    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 Rosenberg and for Fort Bend County.

Property tax

Effective rate in Rosenberg

1.55%of the home’s value each year

$3,391 a year for the typical owner in Rosenberg.

  • Rosenberg 1.55%
  • Fort Bend 1.86%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Fort Bend County

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

Homes in the high-risk zone
2.6%
6,535
Of those, with NFIP insurance
42%
County Texas U.S.
Homes in the high-risk zone 2.6% 4.1% 3.5%
Of those, with NFIP insurance 42% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rosenberg

Typical rent in Rosenberg is $1,379 a month: 24% below the county. In Rosenberg, 54% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Fort Bend County, by unit size. To pay the 2-bedroom one ($1,497 a month) without spending more than 30% of your income, you would need to earn $28.79 an hour working full time.

HUD fair market rent for all of Fort Bend 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 $1,233 $23.71 $49,320
1 bedroom $1,261 $24.25 $50,440
2 bedrooms $1,497 $28.79 $59,880
3 bedrooms $2,017 $38.79 $80,680
4 bedrooms $2,502 $48.12 $100,080

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 Rosenberg

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rosenberg is in ZIP code 77471.

For 2 bedrooms it is $1,450: $47 less than the fair market rent for Fort Bend County ($1,497).

  • 77471 $1,450$1,950

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Rosenberg 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 Rosenberg

HUD lists 7 buildings with rents for lower incomes in Rosenberg. These are the largest.

  • Falcon Pointe Apts 915 Cole Ave, Rosenberg 77471 112 homes, 84 low-income · 1 bd: 20 · 2 bd: 56 · 3 bd: 36 · In service since 1999
  • Brazos Senior Villas 5801 Reading Rd, Rosenberg 77471 80 low-income homes · In service since 2012
  • Kings Arms Apartments 1317 Mahlmann St, Rosenberg 77471 120 homes, 69 low-income · For families (281) 342-7112
  • Fort Bend Gardens 313 Lane Dr, Rosenberg 77471 68 homes, 67 low-income · For older adults (281) 342-2423
  • Crossroads Villas 4716 Airport Ave, Rosenberg 77471 14 low-income homes · For people with disabilities (281) 342-5252

See all 30 buildings in Fort Bend County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rosenberg

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 Fort Bend County; 2 say they serve in Spanish.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Rosenberg

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

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

  • Money Management International - Houston Call Center

    12603 Southwest Fwy Ste 450, Stafford · 16 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 232-9080

  • Money Management International Inc.

    12603 Southwest Fwy, Stafford · 16 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (866) 232-9080

  • Chinese Community Center

    9800 Town Park Dr, Houston · 20 miles away · Spanish

    Also serves in Cantonese, Mandarin Chinese, and Vietnamese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 10 more
    (713) 271-6100

Every agency in Fort Bend County All counseling agencies in Texas

Help in Spanish near Rosenberg

3 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 Rosenberg

HUD’s record names them for Rosenberg or Fort Bend County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of the City of Rosenberg Section 8 vouchers (281) 342-1456

All housing agencies in Texas Source: HUD

Cities

Other cities in Fort Bend County

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

Everything about Fort Bend County Housing in Texas

Nearby cities

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

Neighboring counties

If Fort Bend 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 Rosenberg.

All guides
A mother and her daughters smile together on a mountain trail with a snowy peak behind them.

Questions

Housing questions about Rosenberg

Short answers with the numbers for Rosenberg and all of Fort Bend 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 Rosenberg?

The typical home value in Rosenberg is $219,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fort Bend County it is $374,500.

How much does it cost to rent in Rosenberg?

Typical rent in Rosenberg is $1,379 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fort Bend County is $1,497.

What is the FHA loan limit in Rosenberg?

Rosenberg uses the FHA limit for all of Fort Bend 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 Rosenberg?

The typical homeowner in Rosenberg pays $3,391 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Fort Bend County, the rate is 1.86%.

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

There are 2 HUD-approved counseling agencies with an office in Fort Bend County. 2 say they serve in Spanish. 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).