In Seminole, a typical home is worth $177,000 and typical rent is $858 a month. Compared with all of Gaines County, typical household income is 19% lower and the typical home value is 12% lower.
Typical home value from Zillow, September 2021 to September 2026: from $222,995 to $260,920.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Seminole is in Gaines 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 Gaines County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Lamesa, the typical home value is $95,000: 46% less than in Seminole ($177,000).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Seminole rose 2.4%; in Texas, it fell 1.4%.
3
The typical household income in Seminole is $60,390,19% less than in Gaines County as a whole ($74,132).
4
Seminole has the 32nd lowest typical rent of the 413 cities in Texas with more than 5,000 people ($858).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Seminole
What homes there are in Seminole, 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
Seminole
Gaines County
Texas
United States
Kind of home: Seminole and its comparisons
Measure
Seminole
Gaines County
Texas
United States
Detached house
73%
66%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
14%
25%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 73% of homes here, against 66% in Gaines County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Seminole
Gaines County
Texas
United States
Year built: Seminole and its comparisons
Measure
Seminole
Gaines County
Texas
United States
Before 1960
15%
15%
12%
26%
1960–1979
36%
21%
21%
24%
1980–1999
36%
36%
28%
25%
2000–2009
Unreliable estimate
10%
18%
14%
2010 or later
9%
18%
21%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K44%
$200K–$300K31%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Seminole and its comparisons
Measure
Seminole
Under $100K
Unreliable estimate
$100K–$200K
44%
$200K–$300K
31%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99980%
$1,000–$1,49920%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Seminole and its comparisons
Measure
Seminole
Under $500
Unreliable
$500–$999
80%
$1,000–$1,499
20%
$1,500–$1,999
Unreliable
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,416 a month
Gaines County: $1,758 a month
Without a mortgage
$691 a month
Gaines County: $591 a month
Owners with a mortgage
36%
Gaines County: 37%
The typical cost for an owner with a mortgage in Seminole is $1,416 a month, less than in Gaines County ($1,758); without one, $691.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Seminole+48%
Gaines County+33%
Texas+65%
United States+53%
Typical rent
SeminoleNo clear change
Gaines CountyNo clear change
Texas+34%
United States+33%
Typical household income
SeminoleNo clear change
Gaines CountyNo clear change
Texas+27%
United States+29%
Change since 2015–2019: Seminole and its comparisons
Measure
Seminole
Gaines County
Texas
United States
Typical home value
+48%
+33%
+65%
+53%
Typical rent
No clear change
No clear change
+34%
+33%
Typical household income
No clear change
No clear change
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Seminole rose 48%; in Gaines County, it rose 33%.
Since 2015–2019, the typical rent in Seminole did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Seminole and its comparisons
Measure
Seminole
Gaines County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
8.6%
4.8%
3.4%
People per household
2.68
3.18
2.69
2.53
Drive alone
76%
73%
71%
69%
Carpool
18%
20%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
Unreliable estimate
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in Seminole are smaller: 2.68 people on average; in Gaines County, 3.18.
In Seminole, 76% of workers drive alone to work; in Gaines County, 73%.
Do the math
What would you pay each month for a home in Seminole?
A typical home is tight for the typical income
We start with a typical home in Seminole, worth $177,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Seminole, which is $60,390 a year. For that payment to be 28% of income, a household would need to earn about $67,657 a year.
The calculator's FHA and conventional loan limits are those of all of Gaines 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 Seminole. 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 $6,195 (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
$1,579
at 7.18% · 30 years
Loan amount
$173,794
Total interest
$250,049
Paid off in
November 2056
Includes $2,989 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,409 a month
Tight
$1,409 to $1,812 a month
Your payment · 31%
Hard
more than $1,812 a month
Compared with the typical household income in Seminole ($60,390 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,177
Property tax
$249
Home insurance
$74
FHA mortgage insurance (MIP)
$78
You need at least $6,195 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 $1,579; principal and interest $1,177.
The city and its county
Seminole and Gaines County
Seminole is in Gaines 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).
Seminole
Map of Gaines County, Texas, with Seminole marked. Around it, the neighboring counties.
Seminole
Gaines County
Seminole's own numbers
Typical home value
$177,000
Typical monthly rent
$858
Typical yearly household income
$60,390
Households that own their home
74%
Effective property tax rate
1.69%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Gaines County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,014
Price change over 5 years (FHFA)
+37%
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 Gaines County.
A typical home in Seminole is worth $177,000: 12% below the county and 38% below Texas. With the typical household income in Seminole ($60,390 a year), a typical home costs 2.9 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.
Seminole2.9 years
Gaines2.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Gaines County
According to FHFA’s house price index, home prices in Gaines County rose 71% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Gaines County.
Yearly change in FHFA’s price index in Gaines County, 2016 to 2025
2016: +4.5% +4.5% 2016
2017: +0.2% +0.2% 2017
2018: +4.2% +4.2% 2018
2019: +7.0% +7.0% 2019
2020: +6.8% +6.8% 2020
2021: +2.4% +2.4% 2021
2022: +10.8% +10.8% 2022
2023: +9.6% +9.6% 2023
2024: +7.2% +7.2% 2024
2025: +2.8% +2.8% 2025
Change in FHFA’s price index in Gaines County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+2.8%
+0.8%
+2.9%
5 years (2020–2025)
+37%
+44%
+47%
10 years (2015–2025)
+71%
+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
Seminole next to Gaines 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
Seminole$177,000
Gaines$200,700
Texas$283,800
United States$332,700
Typical monthly rent
Seminole$858
Gaines$789
Texas$1,403
United States$1,413
Typical yearly household income
Seminole$60,390
Gaines$74,132
Texas$78,476
United States$80,734
See the full table
Seminole next to Gaines County and Texas
Measure
Seminole
Gaines County
Texas
U.S.
Typical home value
$177,000 ▼12% below the county
$200,700
$283,800
$332,700
Typical monthly rent
$858 ▲9% above the county
$789
$1,403
$1,413
Typical yearly household income
$60,390 ▼19% below the county
$74,132
$78,476
$80,734
Households that own their home
74%
75%
63%
65%
Typical yearly property tax
$3,000 ▼5% below the county
$3,142
$4,232
$3,119
Effective property tax rate
1.69% ▲0.12 points above the county
1.57%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gaines 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 Seminole
For a typical $177,000 home in Seminole, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Seminole's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,579a month
Least cash to close
Down payment
$6,195
Cash to close
$11,505
Rate
7.18%
Mortgage insurance
FHA MIP · $78
Conventional, 5% down$1,546a month
Down payment
$8,850
Cash to close
$14,160
Rate
7.18%
Mortgage insurance
PMI · $84
Conventional, 20% down, no PMI$1,282a month
Down payment
$35,400
Cash to close
$40,710
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,446a month
Down payment
$26,550
Cash to close
$31,860
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Seminole
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,579
$6,195
$173,794
7.18%
FHA MIP · $78
$11,505
580
Conventional, 5% down
$1,546
$8,850
$168,150
7.18%
PMI · $84
$14,160
620*
Conventional, 20% down, no PMI
$1,282
$35,400
$141,600
7.18%
None
$40,710
620*
ITIN, 15% down (example)
$1,446
$26,550
$150,450
8.18%
None
$31,860
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 Seminole is $858 a month: 9% above the county.
HUD publishes a fair market rent for all of Gaines County, by unit size. To pay the 2-bedroom one ($1,014 a month) without spending more than 30% of your income, you would need to earn $19.50 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 Gaines County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$771
$14.83
$30,840
1 bedroom
$869
$16.71
$34,760
2 bedrooms
$1,014
$19.50
$40,560
3 bedrooms
$1,208
$23.23
$48,320
4 bedrooms
$1,461
$28.10
$58,440
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 Seminole
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Seminole is in ZIP code 79360.
For 2 bedrooms it is $1,080: $66 more than the fair market rent for Gaines County ($1,014).
Fair market rent by ZIP code and size in Seminole, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
79360
$820
$930
$1,080
$1,290
$1,560
ZIP code2 bd3 bd
79360 $1,080$1,290
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Seminole 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 Gaines 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 Seminole or Gaines County. The ones below are statewide in Texas: they work in Seminole 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 Seminole or Gaines 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 Seminole and all of Gaines 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 Seminole?
The typical home value in Seminole is $177,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gaines County it is $200,700.
How much does it cost to rent in Seminole?
Typical rent in Seminole is $858 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gaines County is $1,014.
What is the FHA loan limit in Seminole?
Seminole uses the FHA limit for all of Gaines 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 Seminole?
The typical homeowner in Seminole pays $3,000 a year, according to the U.S. Census Bureau. That is 1.69% of the home’s value; in Gaines County, the rate is 1.57%.
Where can I find free help to buy or rent in Seminole?
We found no HUD-approved counseling agencies with an office in Gaines County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
