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City · 127,786 residents · Williamson County, Texas

Round Rock , Texas

In Round Rock, a typical home is worth $418,600 and typical rent is $1,763 a month. Compared with all of Williamson County, typical household income is 11% lower, the typical home value is 6% lower, and the share of households that own their home is 11 points lower.

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  • Typical home value

    $418,600

    6% below the county

    47% above Texas

    • Round Rock
    • Williamson
    • Texas

  • Typical rent

    $1,763a month

    About the same as the county

    26% above Texas

    • Round Rock
    • Williamson
    • Texas

  • Typical household income

    $99,287a year

    11% below the county

    27% above Texas

    • Round Rock
    • Williamson
    • Texas

  • Households that own their home

    56%

    11 points below the county

    7 points below Texas

    • Round Rock
    • Williamson
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$395,851
5.1% less than 12 months ago
Typical rent
$1,709 a month
2.2% more than 12 months ago

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

Round Rock is in Williamson County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Williamson County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Round Rock apart

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

  1. According to Zillow, in the 12 months to September 2026 the typical home value in Round Rock fell 5.1%; in Texas, it fell 1.4%.

  2. 56% of households in Round Rock own their home, against 66% in Williamson County.

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

The homes here

Housing in Round Rock

What homes there are in Round Rock, 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 Round Rock, 6 in 10 homes are single-family detached houses; in Williamson County, 7.

Year built

The typical home in Round Rock was built in 2002, 4 years before the typical one in Williamson County.

In Round Rock, 17% of homes have 1 bedroom or none (studios); 66% have 3 bedrooms or more, against 72% in Williamson 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

The FHA loan limit for Williamson County is $571,550, and about 73% of owner-occupied homes in Round Rock are worth less than that.

Monthly rent with utilities

With a mortgage

$2,364 a month

Williamson County: $2,453 a month

Without a mortgage

$925 a month

Williamson County: $938 a month

Owners with a mortgage

70%

Williamson County: 70%

The typical cost for an owner with a mortgage in Round Rock is $2,364 a month, near the figure in Williamson County ($2,453).

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 Round Rock rose at about the same pace as in Williamson County: 71% against 70%.

Much as in Williamson County, the typical rent in Round Rock rose 34% since 2015–2019.

Housing prices ran ahead of income in Round Rock: typical income rose 20%, against +71% for home values and +34% for rent.

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

MeasureRound RockWilliamson CountyTexasUnited States
Rental vacancy 4.2%4.2%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room 2.8%2.8%4.8%3.4%
People per household 2.612.652.692.53
Drive alone 64%64%71%69%
Carpool 9%8%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike 1%1%2%3%
Work from home 25%25%14%15%
Other means 1%2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Open rentals in Round Rock look like those in Williamson County: the rental vacancy rate is 4.2%.

In Round Rock, 2.8% of households live with more than one person per room, about the same as in Williamson County.

By size, households in Round Rock look like those in Williamson County: 2.61 people on average.

To get to work, 64% of workers in Round Rock drive alone; in Williamson County, 64%.

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 Round Rock?

A typical home costs more than the typical income allows

We start with a typical home in Round Rock, worth $418,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Round Rock, which is $99,287 a year. For that payment to be 28% of income, a household would need to earn about $157,614 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Round Rock. 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 $14,651 (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

$3,678

at 7.18% · 30 years

Loan amount
$411,018
Total interest
$591,359
Paid off in
November 2056

Includes $7,069 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,317 a month

  • Tight

    $2,317 to $2,979 a month

  • Hard

    more than $2,979 a month

    Your payment · 44%

Compared with the typical household income in Round Rock ($99,287 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,678
Principal & interest$2,784
Property tax$534
Home insurance$174
FHA mortgage insurance (MIP)$185

You need at least $14,651 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

Round Rock and Williamson County

Round Rock is in Williamson 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).

Round Rock's own numbers

Typical home value
$418,600
Typical monthly rent
$1,763
Typical yearly household income
$99,287
Households that own their home
56%
Effective property tax rate
1.53%

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

Numbers for all of Williamson County

FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+43%
Homes in a high flood-risk zone
0.7%

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 Williamson County.

Everything about Williamson County

Buying

Buying a home in Round Rock

A typical home in Round Rock is worth $418,600: 6% below the county and 47% above Texas. With the typical household income in Round Rock ($99,287 a year), a typical home costs 4.2 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.

  • Round Rock 4.2 years
  • Williamson 4.0 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Williamson County

According to FHFA’s house price index, home prices in Williamson County rose 100% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −1.0% +0.8% +2.9%
5 years (2020–2025) +43% +44% +47%
10 years (2015–2025) +100% +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

Round Rock next to Williamson 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
  • Round Rock $418,600
  • Williamson $447,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Round Rock $1,763
  • Williamson $1,796
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Round Rock $99,287
  • Williamson $111,340
  • Texas $78,476
  • United States $80,734
See the full table
Round Rock next to Williamson County and Texas
Measure Round Rock Williamson County Texas U.S.
Typical home value $418,600 $447,000 $283,800 $332,700
Typical monthly rent $1,763 $1,796 $1,403 $1,413
Typical yearly household income $99,287 $111,340 $78,476 $80,734
Households that own their home 56% 66% 63% 65%
Typical yearly property tax $6,424 $7,205 $4,232 $3,119
Effective property tax rate 1.53% 1.61% 1.49% 0.94%
Renters with high rent for their income 51% 48% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Williamson 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 Round Rock

For a typical $418,600 home in Round Rock, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Round Rock's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,678a month

    Least cash to close
    Down payment
    $14,651
    Cash to close
    $27,209
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $185

  • Conventional, 5% down $3,601a month

    Down payment
    $20,930
    Cash to close
    $33,488
    Rate
    7.18%
    Mortgage insurance
    PMI · $199

  • Conventional, 20% down, no PMI $2,977a month

    Down payment
    $83,720
    Cash to close
    $96,278
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,364a month

    Down payment
    $62,790
    Cash to close
    $75,348
    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 Round Rock and for Williamson County.

Property tax

Effective rate in Round Rock

1.53%of the home’s value each year

$6,424 a year for the typical owner in Round Rock.

  • Round Rock 1.53%
  • Williamson 1.61%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Williamson County

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

Homes in the high-risk zone
0.7%
1,291
Of those, with NFIP insurance
46%
County Texas U.S.
Homes in the high-risk zone 0.7% 4.1% 3.5%
Of those, with NFIP insurance 46% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Round Rock

Typical rent in Round Rock is $1,763 a month: about the same as the county. In Round Rock, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Williamson County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 an hour working full time.

HUD fair market rent for all of Williamson 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 $1,447 $27.83 $57,880
1 bedroom $1,530 $29.42 $61,200
2 bedrooms $1,817 $34.94 $72,680
3 bedrooms $2,292 $44.08 $91,680
4 bedrooms $2,689 $51.71 $107,560

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 Round Rock

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Round Rock has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,760 in 78664 to $2,110 in 78665.

2 of the 3 are above the fair market rent for Williamson County ($1,817).

  • 78664 $1,760$2,220
  • 78665 $2,110$2,660
  • 78681 $2,060$2,600

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

HUD lists 11 buildings with rents for lower incomes in Round Rock. These are the largest.

  • Legacy Senior Residences II Nec of Doris Lane and Red Bud Lane, Round Rock 78664 199 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • Red Hills Villas 1401 S A W Grimes Blvd, Round Rock 78664 168 low-income homes · In service since 2002
  • Henna Townhomes 2500 Louis Henna Blvd, Round Rock 78664 161 homes, 160 low-income · 4 bd: 161 · In service since 1999
  • Legacy Senior Residences 1001 University Blvd, Round Rock 78665 157 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • Cushing Center 1503 Lance Ln, Round Rock 78664 88 low-income homes · Run by Round Rock Housing Authority · Average payment: $505 a month · Average wait: 26 months (512) 255-9159

See all 53 buildings in Williamson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Round Rock

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 Williamson 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 Round Rock

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

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

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 17 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (512) 385-1500

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (512) 912-9884

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    512-472-8788x122

All counseling agencies in Texas

Help in Spanish near Round Rock

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 Round Rock

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

  • Round Rock Housing Authority Public housing and Section 8 vouchers (512) 255-9159

3 other authorities have an office in Williamson County: see the list Source: HUD

Cities

Other cities in Williamson County

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

Everything about Williamson County Housing in Texas

Nearby cities

The cities closest to Round Rock, with the typical home value.

Neighboring counties

If Williamson 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 Round Rock.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Round Rock

Short answers with the numbers for Round Rock and all of Williamson 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 Round Rock?

The typical home value in Round Rock is $418,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Williamson County it is $447,000.

How much does it cost to rent in Round Rock?

Typical rent in Round Rock is $1,763 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Williamson County is $1,817.

What is the FHA loan limit in Round Rock?

Round Rock uses the FHA limit for all of Williamson County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.

How much property tax do owners pay in Round Rock?

The typical homeowner in Round Rock pays $6,424 a year, according to the U.S. Census Bureau. That is 1.53% of the home’s value; in Williamson County, the rate is 1.61%.

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

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