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City · 20,037 residents · Rockwall County, Texas

Royse City , Texas

In Royse City, a typical home is worth $322,500 and typical rent is $2,078 a month. Compared with all of Rockwall County, the typical home value is 22% lower and typical household income is 9% lower.

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  • Typical home value

    $322,500

    22% below the county

    14% above Texas

    • Royse City
    • Rockwall
    • Texas

  • Typical rent

    $2,078a month

    4% above the county

    48% above Texas

    • Royse City
    • Rockwall
    • Texas

  • Typical household income

    $116,660a year

    9% below the county

    49% above Texas

    • Royse City
    • Rockwall
    • Texas

  • Households that own their home

    84%

    1 points above the county

    21 points above Texas

    • Royse City
    • Rockwall
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$308,801
4.4% less than 12 months ago
Typical rent
$2,168 a month
0.7% less than 12 months ago

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

Royse City is in Rockwall County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Rockwall County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Royse City apart

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

  1. Royse City has the 8th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (76%).

  2. Nearby, in Josephine, the typical rent is $1,688: 19% less than in Royse City ($2,078).

  3. The typical home in Royse City is worth $322,500, 22% less than in Rockwall County as a whole ($415,500).

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Royse City fell 4.4%; in Texas, it fell 1.4%.

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

The homes here

Housing in Royse City

What homes there are in Royse City, 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

The detached house is the most common home in Royse City: 86% of homes, near the figure in Rockwall County (85%).

Mobile homes are 7% of homes in Royse City, more than in Rockwall County (3%).

Year built

Homes in Royse City are newer: the typical year built is 2010; in Rockwall County, 2006.

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
Monthly rent with utilities

With a mortgage

$2,187 a month

Rockwall County: $2,622 a month

Without a mortgage

$686 a month

Rockwall County: $964 a month

Owners with a mortgage

78%

Rockwall County: 70%

The typical cost for an owner with a mortgage in Royse City is $2,187 a month, less than in Rockwall County ($2,622); without one, $686.

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

The typical home value in Royse City rose 71% since 2015–2019, more than in Rockwall County (56%).

Since 2015–2019, the typical rent in Royse City rose 31%, less than in Rockwall County (39%).

The typical household income in Royse City rose 41% over that time; home values changed +71% and rent +31%.

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

MeasureRoyse CityRockwall CountyTexasUnited States
Rental vacancy Unreliable estimate6.9%7.7%5.5%
Homeowner vacancy Unreliable estimate1.5%1.1%0.9%
More than one person per room Unreliable estimate1.8%4.8%3.4%
People per household 3.042.982.692.53
Drive alone 70%72%71%69%
Carpool 11%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 18%19%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate30 to 39 minutes20 to 29 minutes20 to 29 minutes

By size, households in Royse City look like those in Rockwall County: 3.04 people on average.

In Royse City, 11% of workers share a car to get to work; in Rockwall County, 8%.

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 Royse City?

A typical home is tight for the typical income

We start with a typical home in Royse City, worth $322,500, 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 Royse City, which is $116,660 a year. For that payment to be 28% of income, a household would need to earn about $124,079 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Royse City. 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 $11,288 (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

$2,895

at 7.18% · 30 years

Loan amount
$316,658
Total interest
$455,597
Paid off in
November 2056

Includes $5,446 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,722 a month

  • Tight

    $2,722 to $3,500 a month

    Your payment · 30%

  • Hard

    more than $3,500 a month

Compared with the typical household income in Royse City ($116,660 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,895
Principal & interest$2,145
Property tax$473
Home insurance$134
FHA mortgage insurance (MIP)$143

You need at least $11,288 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

Royse City and Rockwall County

Royse City is in Rockwall 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).

Royse City's own numbers

Typical home value
$322,500
Typical monthly rent
$2,078
Typical yearly household income
$116,660
Households that own their home
84%
Effective property tax rate
1.76%

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

Numbers for all of Rockwall County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+45%
Homes in a high flood-risk zone
1%

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 Rockwall County.

Everything about Rockwall County

Buying

Buying a home in Royse City

A typical home in Royse City is worth $322,500: 22% below the county and 14% above Texas. With the typical household income in Royse City ($116,660 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.

  • Royse City 2.8 years
  • Rockwall 3.2 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rockwall County

According to FHFA’s house price index, home prices in Rockwall County rose 98% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −0.9% +0.8% +2.9%
5 years (2020–2025) +45% +44% +47%
10 years (2015–2025) +98% +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

Royse City next to Rockwall 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
  • Royse City $322,500
  • Rockwall $415,500
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Royse City $2,078
  • Rockwall $1,992
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Royse City $116,660
  • Rockwall $127,981
  • Texas $78,476
  • United States $80,734
See the full table
Royse City next to Rockwall County and Texas
Measure Royse City Rockwall County Texas U.S.
Typical home value $322,500 $415,500 $283,800 $332,700
Typical monthly rent $2,078 $1,992 $1,403 $1,413
Typical yearly household income $116,660 $127,981 $78,476 $80,734
Households that own their home 84% 83% 63% 65%
Typical yearly property tax $5,686 $6,396 $4,232 $3,119
Effective property tax rate 1.76% 1.54% 1.49% 0.94%
Renters with high rent for their income 76% 52% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rockwall 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 Royse City

For a typical $322,500 home in Royse City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Royse City's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,895a month

    Least cash to close
    Down payment
    $11,288
    Cash to close
    $20,963
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $143

  • Conventional, 5% down $2,836a month

    Down payment
    $16,125
    Cash to close
    $25,800
    Rate
    7.18%
    Mortgage insurance
    PMI · $153

  • Conventional, 20% down, no PMI $2,355a month

    Down payment
    $64,500
    Cash to close
    $74,175
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,653a month

    Down payment
    $48,375
    Cash to close
    $58,050
    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 Royse City and for Rockwall County.

Property tax

Effective rate in Royse City

1.76%of the home’s value each year

$5,686 a year for the typical owner in Royse City.

  • Royse City 1.76%
  • Rockwall 1.54%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Rockwall County

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

Homes in the high-risk zone
1%
329
Of those, with NFIP insurance
18%
County Texas U.S.
Homes in the high-risk zone 1% 4.1% 3.5%
Of those, with NFIP insurance 18% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Royse City

Typical rent in Royse City is $2,078 a month: 4% above the county. In Royse City, 76% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Rockwall County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 an hour working full time.

HUD fair market rent for all of Rockwall 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 $1,491 $28.67 $59,640
1 bedroom $1,536 $29.54 $61,440
2 bedrooms $1,807 $34.75 $72,280
3 bedrooms $2,275 $43.75 $91,000
4 bedrooms $2,892 $55.62 $115,680

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 Royse City

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Royse City is in ZIP code 75189.

For 2 bedrooms it is $2,390: $583 more than the fair market rent for Rockwall County ($1,807).

  • 75189 $2,390$3,010

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

HUD lists 3 buildings with rents for lower incomes in Royse City. These are the largest.

  • Unnamed 305 N Houston St, Royse City 75189 48 low-income homes · Run by Housing Authority of Royse City · Average payment: $556 a month · Average wait: 52 months (469) 707-3502
  • Regal Apts 330 N Erby Campbell Blvd, Royse City 75189 32 low-income homes · 1 bd: 16 · 2 bd: 16 · In service since 1992
  • Cypress Creek at Parker Creek North 7000 W Interstate 30, Royse City 75189 220 homes · In service since 2017

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

Free help

Help to buy or rent in Royse City

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

A pregnant woman reads paperwork on the sofa while the grandmother plays with the girl on the floor.

HUD counseling is free or low-cost

Assistance programs in Royse City

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

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

  • Balance - Dallas

    8330 Lbj Fwy, Dallas · 26 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 7 more
    (800) 777-7526

  • Builders of Hope

    603 Munger Ave, Dallas · 31 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (214) 920-9850

  • Dallas County Home Loan Counseling Center

    2377 N Stemmons Fwy, Dallas · 32 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 4 more
    (214) 819-6060

All counseling agencies in Texas

Help in Spanish near Royse City

1 of the 3 agencies on this list says it serves 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 Royse City

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

One other authority has an office in Rockwall County: see the list Source: HUD

Cities

Other cities in Rockwall County

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

Everything about Rockwall County Housing in Texas

Nearby cities

The cities closest to Royse City, with the typical home value.

Neighboring counties

If Rockwall 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 Royse City.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Royse City

Short answers with the numbers for Royse City and all of Rockwall 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 Royse City?

The typical home value in Royse City is $322,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rockwall County it is $415,500.

How much does it cost to rent in Royse City?

Typical rent in Royse City is $2,078 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rockwall County is $1,807.

What is the FHA loan limit in Royse City?

Royse City uses the FHA limit for all of Rockwall County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.

How much property tax do owners pay in Royse City?

The typical homeowner in Royse City pays $5,686 a year, according to the U.S. Census Bureau. That is 1.76% of the home’s value; in Rockwall County, the rate is 1.54%.

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

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