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City · 6,586 residents · Williamson County, Texas

Santa Rita Ranch , Texas

In Santa Rita Ranch, a typical home is worth $515,700 and typical rent is $2,701 a month. Compared with all of Williamson County, typical rent is 50% higher, typical household income is 44% higher, and the share of households that own their home is 29 points higher.

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  • Typical home value

    $515,700

    15% above the county

    82% above Texas

    • Santa Rita Ranch
    • Williamson
    • Texas

  • Typical rent

    $2,701a month

    50% above the county

    93% above Texas

    • Santa Rita Ranch
    • Williamson
    • Texas

  • Typical household income

    $160,592a year

    44% above the county

    105% above Texas

    • Santa Rita Ranch
    • Williamson
    • Texas

  • Households that own their home

    95%

    29 points above the county

    32 points above Texas

    • Santa Rita Ranch
    • Williamson
    • Texas

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

Santa Rita Ranch 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 Santa Rita Ranch apart

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

  1. 95% of households in Santa Rita Ranch own their home, against 66% in Williamson County.

  2. Santa Rita Ranch has the 12th highest typical rent of the 413 cities in Texas with more than 5,000 people ($2,701).

  3. Nearby, in Liberty Hill, the typical rent is $1,508: 44% less than in Santa Rita Ranch ($2,701).

  4. The typical household income in Santa Rita Ranch is $160,592, 44% more than in Williamson County as a whole ($111,340).

  5. Nearby, in Liberty Hill, the typical home value is $403,200: 22% less than in Santa Rita Ranch ($515,700).

  6. The typical home in Santa Rita Ranch is worth $515,700, 15% more than in Williamson County as a whole ($447,000).

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

The homes here

Housing in Santa Rita Ranch

What homes there are in Santa Rita Ranch, 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 houses, standing on their own, make up 96% of homes here, against 73% in Williamson County.

Year built

Homes in Santa Rita Ranch are newer: the typical year built is 2019; in Williamson County, 2006.

Homes in Santa Rita Ranch are bigger: 100% have 3 bedrooms or more; in Williamson County, 72%.

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

$3,125 a month

Williamson County: $2,453 a month

Without a mortgage

$1,198 a month

Williamson County: $938 a month

Owners with a mortgage

83%

Williamson County: 70%

In Santa Rita Ranch, 83% of owners have a mortgage, and their typical cost is $3,125 a month, against $2,453 in Williamson County. Without one it drops to $1,198.

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

Santa Rita Ranch does not have the same boundaries as in 2015–2019: that is why there is no change to compare. For reference, in Williamson County the typical home value rose 70%.

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

MeasureSanta Rita RanchWilliamson CountyTexasUnited States
Rental vacancy Unreliable estimate4.2%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room Unreliable estimate2.8%4.8%3.4%
People per household 3.102.652.692.53
Drive alone 58%64%71%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 36%25%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Santa Rita Ranch are bigger: 3.10 people on average; in Williamson County, 2.65.

Many people here do not commute at all: 36% work from home; in Williamson County, 25%.

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 Santa Rita Ranch?

A typical home is tight for the typical income

We start with a typical home in Santa Rita Ranch, worth $515,700, 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 Santa Rita Ranch, which is $160,592 a year. For that payment to be 28% of income, a household would need to earn about $201,726 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 Santa Rita Ranch. 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 $18,050 (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

$4,707

at 7.18% · 30 years

Loan amount
$506,359
Total interest
$728,532
Paid off in
November 2056

Includes $8,709 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,747 a month

  • Tight

    $3,747 to $4,818 a month

    Your payment · 35%

  • Hard

    more than $4,818 a month

Compared with the typical household income in Santa Rita Ranch ($160,592 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,707
Principal & interest$3,430
Property tax$834
Home insurance$215
FHA mortgage insurance (MIP)$228

You need at least $18,050 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

Santa Rita Ranch and Williamson County

Santa Rita Ranch 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).

Santa Rita Ranch's own numbers

Typical home value
$515,700
Typical monthly rent
$2,701
Typical yearly household income
$160,592
Households that own their home
95%
Effective property tax rate
1.94%

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 Santa Rita Ranch

A typical home in Santa Rita Ranch is worth $515,700: 15% above the county and 82% above Texas. With the typical household income in Santa Rita Ranch ($160,592 a year), a typical home costs 3.2 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.

  • Santa Rita Ranch 3.2 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

Santa Rita Ranch 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
  • Santa Rita Ranch $515,700
  • Williamson $447,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Santa Rita Ranch $2,701
  • Williamson $1,796
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Santa Rita Ranch $160,592
  • Williamson $111,340
  • Texas $78,476
  • United States $80,734
See the full table
Santa Rita Ranch next to Williamson County and Texas
Measure Santa Rita Ranch Williamson County Texas U.S.
Typical home value $515,700 $447,000 $283,800 $332,700
Typical monthly rent $2,701 $1,796 $1,403 $1,413
Typical yearly household income $160,592 $111,340 $78,476 $80,734
Households that own their home 95% 66% 63% 65%
Typical yearly property tax $10,001 $7,205 $4,232 $3,119
Effective property tax rate 1.94% 1.61% 1.49% 0.94%
Renters with high rent for their income 65% 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 Santa Rita Ranch

For a typical $515,700 home in Santa Rita Ranch, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Santa Rita Ranch's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,707a month

    Least cash to close
    Down payment
    $18,050
    Cash to close
    $33,521
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $228

  • Conventional, 5% down $4,612a month

    Down payment
    $25,785
    Cash to close
    $41,256
    Rate
    7.18%
    Mortgage insurance
    PMI · $245

  • Conventional, 20% down, no PMI $3,843a month

    Down payment
    $103,140
    Cash to close
    $118,611
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,320a month

    Down payment
    $77,355
    Cash to close
    $92,826
    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 Santa Rita Ranch and for Williamson County.

Property tax

Effective rate in Santa Rita Ranch

1.94%of the home’s value each year

$10,001 a year for the typical owner in Santa Rita Ranch.

  • Santa Rita Ranch 1.94%
  • 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 Santa Rita Ranch

Typical rent in Santa Rita Ranch is $2,701 a month: 50% above the county. In Santa Rita Ranch, 65% 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 Santa Rita Ranch

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Santa Rita Ranch is in ZIP code 78642.

For 2 bedrooms it is $1,680: $137 less than the fair market rent for Williamson County ($1,817).

  • 78642 $1,680$2,120

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

Free help

Help to buy or rent in Santa Rita Ranch

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 man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Santa Rita Ranch

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

The HUD-approved agencies closest to the center of Santa Rita Ranch, 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 · 27 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 · 28 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 · 30 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 Santa Rita Ranch

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 Santa Rita Ranch

In HUD’s record, no housing authority with an office in Williamson County is named for Santa Rita Ranch or Williamson County.

4 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 Santa Rita Ranch, 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 Santa Rita Ranch.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Santa Rita Ranch

Short answers with the numbers for Santa Rita Ranch 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 Santa Rita Ranch?

The typical home value in Santa Rita Ranch is $515,700, 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 Santa Rita Ranch?

Typical rent in Santa Rita Ranch is $2,701 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 Santa Rita Ranch?

Santa Rita Ranch 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 Santa Rita Ranch?

The typical homeowner in Santa Rita Ranch pays $10,001 a year, according to the U.S. Census Bureau. That is 1.94% of the home’s value; in Williamson County, the rate is 1.61%.

Where can I find free help to buy or rent in Santa Rita Ranch?

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).