In Sealy, a typical home is worth $261,100 and typical rent is $1,185 a month. Compared with all of Austin County, typical household income is 25% lower, the typical home value is 12% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $332,300 to $383,680.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sealy is in Austin 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 Austin County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in Sealy is $56,514,25% less than in Austin County as a whole ($75,789).
2
65% of households in Sealy own their home, against 77% in Austin County.
3
Sealy has the 27th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (65%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sealy
What homes there are in Sealy, 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
Sealy
Austin County
Texas
United States
Kind of home: Sealy and its comparisons
Measure
Sealy
Austin County
Texas
United States
Detached house
56%
70%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
14%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
21%
22%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Sealy, but it weighs less than in Austin County: 56% against 70%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Sealy
Austin County
Texas
United States
Year built: Sealy and its comparisons
Measure
Sealy
Austin County
Texas
United States
Before 1960
16%
16%
12%
26%
1960–1979
22%
16%
21%
24%
1980–1999
35%
31%
28%
25%
2000–2009
13%
20%
18%
14%
2010 or later
13%
18%
21%
11%
Homes in Sealy are older: the typical year built is 1985; in Austin County, 1992.
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–$200K13%
$200K–$300K25%
$300K–$500K32%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sealy and its comparisons
Measure
Sealy
Under $100K
21%
$100K–$200K
13%
$200K–$300K
25%
$300K–$500K
32%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 91% of owner-occupied homes in Sealy are worth less than $500,000, below the FHA loan limit for Austin County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49937%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sealy and its comparisons
Measure
Sealy
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
37%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,880 a month
Austin County: $1,947 a month
Without a mortgage
$684 a month
Austin County: $679 a month
Owners with a mortgage
42%
Austin County: 45%
In Sealy, 42% of owners have a mortgage; their typical cost is $1,880 a month, about the same as in Austin County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sealy+67%
Austin County+51%
Texas+65%
United States+53%
Typical rent
SealyNo clear change
Austin County+34%
Texas+34%
United States+33%
Typical household income
SealyNo clear change
Austin CountyNo clear change
Texas+27%
United States+29%
Change since 2015–2019: Sealy and its comparisons
Measure
Sealy
Austin County
Texas
United States
Typical home value
+67%
+51%
+65%
+53%
Typical rent
No clear change
+34%
+34%
+33%
Typical household income
No clear change
No clear change
+27%
+29%
Since 2015–2019, homes in Sealy gained value faster than in Austin County: 67% against 51%.
Since 2015–2019, the typical rent in Sealy did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sealy and its comparisons
Measure
Sealy
Austin County
Texas
United States
Rental vacancy
24.0%
9.5%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
12.0%
4.9%
4.8%
3.4%
People per household
2.74
2.55
2.69
2.53
Drive alone
75%
80%
71%
69%
Carpool
Unreliable estimate
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
9%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
There is more rental housing open in Sealy: 24.0% is empty and offered for rent, against 9.5% in Austin County.
More than one person per room: that is how 12.0% of households in Sealy live, more than in Austin County (4.9%).
On average, a household in Sealy has 2.74 people, more than in Austin County (2.55).
To get to work, 75% of workers in Sealy drive alone; in Austin County, 80%.
Do the math
What would you pay each month for a home in Sealy?
A typical home costs more than the typical income allows
We start with a typical home in Sealy, worth $261,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 47% of the typical household income in Sealy, which is $56,514 a year. For that payment to be 28% of income, a household would need to earn about $95,793 a year.
The calculator's FHA and conventional loan limits are those of all of Austin 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 Sealy. 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 $9,139 (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
$2,235
at 7.18% · 30 years
Loan amount
$256,370
Total interest
$368,857
Paid off in
November 2056
Includes $4,409 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,319 a month
Tight
$1,319 to $1,695 a month
Hard
more than $1,695 a month
Your payment · 47%
Compared with the typical household income in Sealy ($56,514 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,737
Property tax
$274
Home insurance
$109
FHA mortgage insurance (MIP)
$115
You need at least $9,139 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 $2,235; principal and interest $1,737.
The city and its county
Sealy and Austin County
Sealy is in Austin 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).
Sealy
Map of Austin County, Texas, with Sealy marked. Around it, the neighboring counties.
Sealy
Austin County
Other cities with a page
Sealy's own numbers
Typical home value
$261,100
Typical monthly rent
$1,185
Typical yearly household income
$56,514
Households that own their home
65%
Effective property tax rate
1.26%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Austin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,069
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
4.4%
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 Austin County.
A typical home in Sealy is worth $261,100: 12% below the county and 8% below Texas. With the typical household income in Sealy ($56,514 a year), a typical home costs 4.6 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.
Sealy4.6 years
Austin3.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Austin County
According to FHFA’s house price index, home prices in Austin County rose 91% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Austin County.
Yearly change in FHFA’s price index in Austin County, 2016 to 2025
2016: +3.3% +3.3% 2016
2017: +5.8% +5.8% 2017
2018: +5.0% +5.0% 2018
2019: +4.8% +4.8% 2019
2020: +4.4% +4.4% 2020
2021: +9.8% +9.8% 2021
2022: +17.0% +17.0% 2022
2023: +10.7% +10.7% 2023
2024: +4.7% +4.7% 2024
2025: +2.2% +2.2% 2025
Change in FHFA’s price index in Austin County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+2.2%
+0.8%
+2.9%
5 years (2020–2025)
+52%
+44%
+47%
10 years (2015–2025)
+91%
+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
Sealy next to Austin 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
Sealy$261,100
Austin$296,900
Texas$283,800
United States$332,700
Typical monthly rent
Sealy$1,185
Austin$1,137
Texas$1,403
United States$1,413
Typical yearly household income
Sealy$56,514
Austin$75,789
Texas$78,476
United States$80,734
See the full table
Sealy next to Austin County and Texas
Measure
Sealy
Austin County
Texas
U.S.
Typical home value
$261,100 ▼12% below the county
$296,900
$283,800
$332,700
Typical monthly rent
$1,185 ▲4% above the county
$1,137
$1,403
$1,413
Typical yearly household income
$56,514 ▼25% below the county
$75,789
$78,476
$80,734
Households that own their home
65% ▼11 points below the county
77%
63%
65%
Typical yearly property tax
$3,279 ▼4% below the county
$3,433
$4,232
$3,119
Effective property tax rate
1.26% ▲0.1 points above the county
1.16%
1.49%
0.94%
Renters with high rent for their income
65% ▲16 points above the county
49%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Austin 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 Sealy
For a typical $261,100 home in Sealy, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sealy's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,235a month
Least cash to close
Down payment
$9,139
Cash to close
$16,972
Rate
7.18%
Mortgage insurance
FHA MIP · $115
Conventional, 5% down$2,187a month
Down payment
$13,055
Cash to close
$20,888
Rate
7.18%
Mortgage insurance
PMI · $124
Conventional, 20% down, no PMI$1,798a month
Down payment
$52,220
Cash to close
$60,053
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,039a month
Down payment
$39,165
Cash to close
$46,998
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sealy
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,235
$9,139
$256,371
7.18%
FHA MIP · $115
$16,972
580
Conventional, 5% down
$2,187
$13,055
$248,045
7.18%
PMI · $124
$20,888
620*
Conventional, 20% down, no PMI
$1,798
$52,220
$208,880
7.18%
None
$60,053
620*
ITIN, 15% down (example)
$2,039
$39,165
$221,935
8.18%
None
$46,998
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 Sealy is $1,185 a month: 4% above the county. In Sealy, 65% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Austin County, by unit size. To pay the 2-bedroom one ($1,069 a month) without spending more than 30% of your income, you would need to earn $20.56 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 Austin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$812
$15.62
$32,480
1 bedroom
$817
$15.71
$32,680
2 bedrooms
$1,069
$20.56
$42,760
3 bedrooms
$1,480
$28.46
$59,200
4 bedrooms
$1,787
$34.37
$71,480
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 Sealy
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sealy is in ZIP code 77474.
For 2 bedrooms it is $1,170: $101 more than the fair market rent for Austin County ($1,069).
Fair market rent by ZIP code and size in Sealy, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77474
$910
$920
$1,170
$1,620
$1,960
ZIP code2 bd3 bd
77474 $1,170$1,620
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sealy 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)
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 Austin 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 Sealy or Austin County. The ones below are statewide in Texas: they work in Sealy 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 Sealy or Austin 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 Sealy and all of Austin 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 Sealy?
The typical home value in Sealy is $261,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Austin County it is $296,900.
How much does it cost to rent in Sealy?
Typical rent in Sealy is $1,185 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Austin County is $1,069.
What is the FHA loan limit in Sealy?
Sealy uses the FHA limit for all of Austin 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 Sealy?
The typical homeowner in Sealy pays $3,279 a year, according to the U.S. Census Bureau. That is 1.26% of the home’s value; in Austin County, the rate is 1.16%.
Where can I find free help to buy or rent in Sealy?
We found no HUD-approved counseling agencies with an office in Austin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
