In San Angelo, a typical home is worth $187,600 and typical rent is $1,153 a month. Home values, rent and income are very close to those of all of Tom Green County.
Typical home value from Zillow, September 2021 to September 2026: from $196,519 to $210,720.
Typical rent
$1,311a month
▲ 5.2% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,074 to $1,311.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
San Angelo is in Tom Green 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 Tom Green County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Sweetwater, the typical home value is $80,800: 57% less than in San Angelo ($187,600).
2
Nearby, in Brady, the typical rent is $776: 33% less than in San Angelo ($1,153).
3
According to Zillow, in the 12 months to September 2026 the typical home value in San Angelo fell 5%; 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 San Angelo
What homes there are in San Angelo, 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
San Angelo
Tom Green County
Texas
United States
Kind of home: San Angelo and its comparisons
Measure
San Angelo
Tom Green County
Texas
United States
Detached house
70%
71%
64%
61%
Attached house
4%
4%
3%
6%
Building of 2 to 4
5%
4%
5%
8%
Apartments (5 or more)
19%
16%
21%
19%
Mobile home
3%
5%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Tom Green County, most homes in San Angelo are detached houses (70%).
Year built
Before 19601960–19791980–19992000–20092010 or later
San Angelo
Tom Green County
Texas
United States
Year built: San Angelo and its comparisons
Measure
San Angelo
Tom Green County
Texas
United States
Before 1960
26%
23%
12%
26%
1960–1979
27%
26%
21%
24%
1980–1999
28%
28%
28%
25%
2000–2009
8%
9%
18%
14%
2010 or later
12%
13%
21%
11%
By age, homes in San Angelo look like those in Tom Green County: the typical year built is 1978.
By size, homes in San Angelo look like those in Tom Green County: 60% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K21%
$100K–$200K34%
$200K–$300K23%
$300K–$500K16%
$500K–$750K5%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or more1%
Value of owner-occupied homes: San Angelo and its comparisons
Measure
San Angelo
Under $100K
21%
$100K–$200K
34%
$200K–$300K
23%
$300K–$500K
16%
$500K–$750K
5%
$750K–$1M
Unreliable estimate
$1M or more
1%
The FHA loan limit for Tom Green County is $541,287, and about 94% of owner-occupied homes in San Angelo are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5005%
$500–$99932%
$1,000–$1,49938%
HUD fair market rent, 2 bedrooms: $1,350
$1,500–$1,99918%
$2,000–$2,4995%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: San Angelo and its comparisons
Measure
San Angelo
Under $500
5%
$500–$999
32%
$1,000–$1,499
38%
$1,500–$1,999
18%
$2,000–$2,499
5%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
About 64% of rented homes in San Angelo cost less than HUD's 2-bedroom fair market rent for Tom Green County ($1,350); the rest cost more.
With a mortgage
$1,536 a month
Tom Green County: $1,594 a month
Without a mortgage
$598 a month
Tom Green County: $584 a month
Owners with a mortgage
50%
Tom Green County: 49%
Owning costs about the same in San Angelo as in Tom Green County: with a mortgage, $1,536 a month; without one, $598.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
San Angelo+36%
Tom Green County+39%
Texas+65%
United States+53%
Typical rent
San Angelo+30%
Tom Green County+31%
Texas+34%
United States+33%
Typical household income
San Angelo+27%
Tom Green County+27%
Texas+27%
United States+29%
Change since 2015–2019: San Angelo and its comparisons
Measure
San Angelo
Tom Green County
Texas
United States
Typical home value
+36%
+39%
+65%
+53%
Typical rent
+30%
+31%
+34%
+33%
Typical household income
+27%
+27%
+27%
+29%
Homes in San Angelo gained value more slowly than in Tom Green County: 36% since 2015–2019, against 39%.
The typical rent in San Angelo rose 30% since 2015–2019, about the same as in Tom Green County (31%).
The typical household income in San Angelo rose 27%: less than home values (+36%) and rent (+30%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: San Angelo and its comparisons
Measure
San Angelo
Tom Green County
Texas
United States
Rental vacancy
8.2%
7.9%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.6%
1.1%
0.9%
More than one person per room
2.8%
3.2%
4.8%
3.4%
People per household
2.41
2.45
2.69
2.53
Drive alone
74%
74%
71%
69%
Carpool
13%
13%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
3%
3%
2%
3%
Work from home
9%
9%
14%
15%
Other means
1%
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Tom Green County, the rental vacancy rate in San Angelo is 8.2%.
In San Angelo, 2.8% of households live with more than one person per room, about the same as in Tom Green County.
By size, households in San Angelo look like those in Tom Green County: 2.41 people on average.
In San Angelo, 74% of workers drive alone to work; in Tom Green County, 74%.
Do the math
What would you pay each month for a home in San Angelo?
A typical home is tight for the typical income
We start with a typical home in San Angelo, worth $187,600, 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 San Angelo, which is $65,864 a year. For that payment to be 28% of income, a household would need to earn about $69,497 a year.
The calculator's FHA and conventional loan limits are those of all of Tom Green 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 San Angelo. 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 $6,566 (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
$1,622
at 7.18% · 30 years
Loan amount
$184,202
Total interest
$265,024
Paid off in
November 2056
Includes $3,168 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,537 a month
Tight
$1,537 to $1,976 a month
Your payment · 30%
Hard
more than $1,976 a month
Compared with the typical household income in San Angelo ($65,864 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,248
Property tax
$213
Home insurance
$78
FHA mortgage insurance (MIP)
$83
You need at least $6,566 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 $1,622; principal and interest $1,248.
The city and its county
San Angelo and Tom Green County
San Angelo is in Tom Green 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).
San Angelo
Map of Tom Green County, Texas, with San Angelo marked. Around it, the neighboring counties.
San Angelo
Tom Green County
San Angelo's own numbers
Typical home value
$187,600
Typical monthly rent
$1,153
Typical yearly household income
$65,864
Households that own their home
61%
Effective property tax rate
1.36%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Tom Green County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,350
Price change over 5 years (FHFA)
+42%
Homes in a high flood-risk zone
3.3%
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 Tom Green County.
A typical home in San Angelo is worth $187,600: 5% below the county and 34% below Texas. With the typical household income in San Angelo ($65,864 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.
San Angelo2.8 years
Tom Green2.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Tom Green County
According to FHFA’s house price index, home prices in Tom Green County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Tom Green County.
Yearly change in FHFA’s price index in Tom Green County, 2016 to 2025
2016: +2.4% +2.4% 2016
2017: +3.2% +3.2% 2017
2018: +3.7% +3.7% 2018
2019: +5.7% +5.7% 2019
2020: +4.9% +4.9% 2020
2021: +11.6% +11.6% 2021
2022: +13.3% +13.3% 2022
2023: +3.8% +3.8% 2023
2024: +4.8% +4.8% 2024
2025: +3.0% +3.0% 2025
Change in FHFA’s price index in Tom Green County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+3.0%
+0.8%
+2.9%
5 years (2020–2025)
+42%
+44%
+47%
10 years (2015–2025)
+72%
+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
San Angelo next to Tom Green 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
San Angelo$187,600
Tom Green$197,000
Texas$283,800
United States$332,700
Typical monthly rent
San Angelo$1,153
Tom Green$1,154
Texas$1,403
United States$1,413
Typical yearly household income
San Angelo$65,864
Tom Green$68,370
Texas$78,476
United States$80,734
See the full table
San Angelo next to Tom Green County and Texas
Measure
San Angelo
Tom Green County
Texas
U.S.
Typical home value
$187,600 ▼5% below the county
$197,000
$283,800
$332,700
Typical monthly rent
$1,153
$1,154
$1,403
$1,413
Typical yearly household income
$65,864 ▼4% below the county
$68,370
$78,476
$80,734
Households that own their home
61% ▼4 points below the county
65%
63%
65%
Typical yearly property tax
$2,556
$2,532
$4,232
$3,119
Effective property tax rate
1.36% ▲0.07 points above the county
1.29%
1.49%
0.94%
Renters with high rent for their income
49%
49%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Tom Green 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 San Angelo
For a typical $187,600 home in San Angelo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, San Angelo's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,622a month
Least cash to close
Down payment
$6,566
Cash to close
$12,194
Rate
7.18%
Mortgage insurance
FHA MIP · $83
Conventional, 5% down$1,587a month
Down payment
$9,380
Cash to close
$15,008
Rate
7.18%
Mortgage insurance
PMI · $89
Conventional, 20% down, no PMI$1,307a month
Down payment
$37,520
Cash to close
$43,148
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,481a month
Down payment
$28,140
Cash to close
$33,768
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in San Angelo
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,622
$6,566
$184,202
7.18%
FHA MIP · $83
$12,194
580
Conventional, 5% down
$1,587
$9,380
$178,220
7.18%
PMI · $89
$15,008
620*
Conventional, 20% down, no PMI
$1,307
$37,520
$150,080
7.18%
None
$43,148
620*
ITIN, 15% down (example)
$1,481
$28,140
$159,460
8.18%
None
$33,768
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.
Typical rent in San Angelo is $1,153 a month: about the same as the county. In San Angelo, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Tom Green County, by unit size. To pay the 2-bedroom one ($1,350 a month) without spending more than 30% of your income, you would need to earn $25.96 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 Tom Green County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$956
$18.38
$38,240
1 bedroom
$1,032
$19.85
$41,280
2 bedrooms
$1,350
$25.96
$54,000
3 bedrooms
$1,810
$34.81
$72,400
4 bedrooms
$2,055
$39.52
$82,200
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 San Angelo
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). San Angelo has 5 ZIP codes with their own.
For 2 bedrooms it runs from $1,230 in 76903 to $1,860 in 76905.
4 of the 5 are above the fair market rent for Tom Green County ($1,350).
2-bedroom fair market rent in each of the 5 ZIP codes of San Angelo, beside the one for Tom Green County. For 2 bedrooms it runs from $1,230 in 76903 to $1,860 in 76905. 4 of the 5 are above the fair market rent for Tom Green County ($1,350).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,350
Lowest: $1,230 (76903)Highest: $1,860 (76905)
Fair market rent by ZIP code and size in San Angelo, fiscal year 2027.
76903
$870
$950
$1,230
$1,650
$1,870
76904
$960
$1,040
$1,360
$1,820
$2,070
76905
$1,320
$1,420
$1,860
$2,490
$2,830
76908
$1,140
$1,230
$1,610
$2,150
$2,440
76909
$970
$1,050
$1,370
$1,830
$2,080
ZIP code2 bd3 bd
76903 $1,230$1,650
76904 $1,360$1,820
76905 $1,860$2,490
76908 $1,610$2,150
76909 $1,370$1,830
3 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for San Angelo 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 13 buildings with rents for lower incomes in San Angelo. These are the largest.
River Pointe Apts1173 Benedict Dr, San Angelo 76903204 low-income homes · 1 bd: 52 · 2 bd: 86 · 3 bd: 50 · 4 bd: 16 · In service since 2007
Nueva Vista Apts2401 Lillie St, San Angelo 76903160 low-income homes · 1 bd: 32 · 2 bd: 64 · 3 bd: 64 · In service since 2006 · For families(915) 658-3553
Christian Village4225 Billie Bolin Dr, San Angelo 76904150 low-income homes · For older adults
Oak Grove Senior Apartments4375 Oak Grove Blvd, San Angelo 76904142 low-income homes · For older adults(325) 223-0700
River Place Apts501 S Irene St, San Angelo 76903120 low-income homes · 1 bd: 60 · 2 bd: 60 · In service since 2010
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 Tom Green 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 San Angelo or Tom Green County. The ones below are statewide in Texas: they work in San Angelo 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 San Angelo or Tom Green 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 San Angelo and all of Tom Green 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 San Angelo?
The typical home value in San Angelo is $187,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Tom Green County it is $197,000.
How much does it cost to rent in San Angelo?
Typical rent in San Angelo is $1,153 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Tom Green County is $1,350.
What is the FHA loan limit in San Angelo?
San Angelo uses the FHA limit for all of Tom Green 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 San Angelo?
The typical homeowner in San Angelo pays $2,556 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Tom Green County, the rate is 1.29%.
Where can I find free help to buy or rent in San Angelo?
We found no HUD-approved counseling agencies with an office in Tom Green County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
