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City · 13,768 residents · Harris County, Texas

Seabrook , Texas

In Seabrook, a typical home is worth $350,000 and typical rent is $1,476 a month. Compared with all of Harris County, typical household income is 37% higher, the typical home value is 27% higher, and the share of households that own their home is 12 points higher.

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  • Typical home value

    $350,000

    27% above the county

    23% above Texas

    • Seabrook
    • Harris
    • Texas

  • Typical rent

    $1,476a month

    5% above the county

    5% above Texas

    • Seabrook
    • Harris
    • Texas

  • Typical household income

    $102,726a year

    37% above the county

    31% above Texas

    • Seabrook
    • Harris
    • Texas

  • Households that own their home

    66%

    12 points above the county

    4 points above Texas

    • Seabrook
    • Harris
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$348,578
1.4% more than 12 months ago
Typical rent
$1,686 a month
2.6% more than 12 months ago

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

Seabrook is in Harris 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 Harris County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Seabrook apart

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

  1. Nearby, in San Leon, the typical home value is $183,100: 48% less than in Seabrook ($350,000).

  2. Nearby, in San Leon, the typical rent is $989: 33% less than in Seabrook ($1,476).

  3. The typical household income in Seabrook is $102,726, 37% more than in Harris County as a whole ($74,983).

  4. The typical home in Seabrook is worth $350,000, 27% more than in Harris County as a whole ($276,600).

  5. 66% of households in Seabrook own their home, against 55% in Harris County.

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

The homes here

Housing in Seabrook

What homes there are in Seabrook, 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 Seabrook, 6 in 10 homes are single-family detached houses, about the same as in Harris County.

Year built

The typical home in Seabrook was built in 1992, 4 years after the typical one in Harris County.

In Seabrook, 56% of homes have 3 bedrooms or more, about the same as in Harris 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
Monthly rent with utilities

With a mortgage

$2,617 a month

Harris County: $2,155 a month

Without a mortgage

$901 a month

Harris County: $744 a month

Owners with a mortgage

69%

Harris County: 57%

Owning costs more in Seabrook: with a mortgage, the typical cost is $2,617 a month; in Harris County, $2,155. Without one, $901.

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, the typical home value in Seabrook rose 40%; in Harris County, it rose 57%.

Much as in Harris County, the typical rent in Seabrook rose 27% since 2015–2019.

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

MeasureSeabrookHarris CountyTexasUnited States
Rental vacancy Unreliable estimate9.3%7.7%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room Unreliable estimate6.6%4.8%3.4%
People per household 2.302.732.692.53
Drive alone 82%70%71%69%
Carpool Unreliable estimate11%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 13%13%14%15%
Other means Unreliable estimate2%2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Seabrook has 2.30 people, fewer than in Harris County (2.73).

To get to work, 82% of workers in Seabrook drive alone; in Harris 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 Seabrook?

A typical home costs more than the typical income allows

We start with a typical home in Seabrook, worth $350,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Seabrook, which is $102,726 a year. For that payment to be 28% of income, a household would need to earn about $133,159 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Seabrook. 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 $12,250 (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

$3,107

at 7.18% · 30 years

Loan amount
$343,661
Total interest
$494,447
Paid off in
November 2056

Includes $5,911 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,397 a month

  • Tight

    $2,397 to $3,082 a month

  • Hard

    more than $3,082 a month

    Your payment · 36%

Compared with the typical household income in Seabrook ($102,726 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,107
Principal & interest$2,328
Property tax$478
Home insurance$146
FHA mortgage insurance (MIP)$155

You need at least $12,250 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

Seabrook and Harris County

Seabrook is in Harris 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).

Seabrook's own numbers

Typical home value
$350,000
Typical monthly rent
$1,476
Typical yearly household income
$102,726
Households that own their home
66%
Effective property tax rate
1.64%

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

Numbers for all of Harris 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)
+31%
Homes in a high flood-risk zone
9.1%

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 Harris County.

Everything about Harris County

Buying

Buying a home in Seabrook

A typical home in Seabrook is worth $350,000: 27% above the county and 23% above Texas. With the typical household income in Seabrook ($102,726 a year), a typical home costs 3.4 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.

  • Seabrook 3.4 years
  • Harris 3.7 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Harris County

According to FHFA’s house price index, home prices in Harris County rose 54% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +0.6% +0.8% +2.9%
5 years (2020–2025) +31% +44% +47%
10 years (2015–2025) +54% +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

Seabrook next to Harris 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
  • Seabrook $350,000
  • Harris $276,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Seabrook $1,476
  • Harris $1,401
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Seabrook $102,726
  • Harris $74,983
  • Texas $78,476
  • United States $80,734
See the full table
Seabrook next to Harris County and Texas
Measure Seabrook Harris County Texas U.S.
Typical home value $350,000 $276,600 $283,800 $332,700
Typical monthly rent $1,476 $1,401 $1,403 $1,413
Typical yearly household income $102,726 $74,983 $78,476 $80,734
Households that own their home 66% 55% 63% 65%
Typical yearly property tax $5,730 $4,489 $4,232 $3,119
Effective property tax rate 1.64% 1.62% 1.49% 0.94%
Renters with high rent for their income 43% 54% 52% 51%

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

For a typical $350,000 home in Seabrook, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seabrook's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,107a month

    Least cash to close
    Down payment
    $12,250
    Cash to close
    $22,750
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $155

  • Conventional, 5% down $3,043a month

    Down payment
    $17,500
    Cash to close
    $28,000
    Rate
    7.18%
    Mortgage insurance
    PMI · $166

  • Conventional, 20% down, no PMI $2,521a month

    Down payment
    $70,000
    Cash to close
    $80,500
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,845a month

    Down payment
    $52,500
    Cash to close
    $63,000
    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 Seabrook and for Harris County.

Property tax

Effective rate in Seabrook

1.64%of the home’s value each year

$5,730 a year for the typical owner in Seabrook.

  • Seabrook 1.64%
  • Harris 1.62%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Harris County

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

Homes in the high-risk zone
9.1%
113,215
Of those, with NFIP insurance
48%
County Texas U.S.
Homes in the high-risk zone 9.1% 4.1% 3.5%
Of those, with NFIP insurance 48% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Seabrook

Typical rent in Seabrook is $1,476 a month: 5% above the county. In Seabrook, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Harris 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 Harris 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 Seabrook

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Seabrook is in ZIP code 77586.

For 2 bedrooms it is $1,560: $63 more than the fair market rent for Harris County ($1,497).

  • 77586 $1,560$2,100

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

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 13 HUD-approved agencies with an office in Harris County; 8 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 Seabrook

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

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

  • Keystone Community Development Corporation

    309 W X St, Deer Park · 11 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 1 more
    (281) 476-3592

  • Tejano Center for Community Concerns

    1062 Fairmont Pkwy, Pasadena · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 2 more
    (713) 640-3743

  • Houston Area Urban League

    5260 Griggs Rd, Houston · 22 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 8 more
    (713) 393-8700

Every agency in Harris County All counseling agencies in Texas

Help in Spanish near Seabrook

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 Seabrook

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

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

Cities

Other cities in Harris County

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

Everything about Harris County Housing in Texas
See 9 more cities in Harris County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Harris 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 Seabrook.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Seabrook

Short answers with the numbers for Seabrook and all of Harris 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 Seabrook?

The typical home value in Seabrook is $350,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harris County it is $276,600.

How much does it cost to rent in Seabrook?

Typical rent in Seabrook is $1,476 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harris County is $1,497.

What is the FHA loan limit in Seabrook?

Seabrook uses the FHA limit for all of Harris 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 Seabrook?

The typical homeowner in Seabrook pays $5,730 a year, according to the U.S. Census Bureau. That is 1.64% of the home’s value; in Harris County, the rate is 1.62%.

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

There are 13 HUD-approved counseling agencies with an office in Harris County. 8 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).