In Silsbee, a typical home is worth $148,400 and typical rent is $1,011 a month. Compared with all of Hardin County, the typical home value is 28% lower, typical household income is 21% lower, and the share of households that own their home is 15 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $177,993 to $174,737.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Silsbee is in Hardin 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 Hardin County. See the county
What this place has that others do not, from public data, most unusual first.
1
68% of households in Silsbee own their home, against 82% in Hardin County.
2
The typical home in Silsbee is worth $148,400,28% less than in Hardin County as a whole ($205,700).
3
According to Zillow, in the 12 months to September 2026 the typical home value in Silsbee rose 2.7%; in Texas, it fell 1.4%.
4
Nearby, in Vidor, the typical rent is $820: 19% less than in Silsbee ($1,011).
5
The typical household income in Silsbee is $59,907,21% less than in Hardin County as a whole ($75,808).
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Silsbee
What homes there are in Silsbee, 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
Silsbee
Hardin County
Texas
United States
Kind of home: Silsbee and its comparisons
Measure
Silsbee
Hardin County
Texas
United States
Detached house
76%
69%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
Unreliable estimate
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
21%
19%
Mobile home
Unreliable estimate
22%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house rules in Silsbee: 76% of homes, more than in Hardin County (69%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Silsbee
Hardin County
Texas
United States
Year built: Silsbee and its comparisons
Measure
Silsbee
Hardin County
Texas
United States
Before 1960
27%
11%
12%
26%
1960–1979
29%
22%
21%
24%
1980–1999
17%
26%
28%
25%
2000–2009
14%
19%
18%
14%
2010 or later
13%
22%
21%
11%
The typical home in Silsbee was built in 1976, 18 years before the typical one in Hardin County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K36%
$100K–$200K26%
$200K–$300K25%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Silsbee and its comparisons
Measure
Silsbee
Under $100K
36%
$100K–$200K
26%
$200K–$300K
25%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99942%
$1,000–$1,49949%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Silsbee and its comparisons
Measure
Silsbee
Under $500
Unreliable estimate
$500–$999
42%
$1,000–$1,499
49%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,562 a month
Hardin County: $1,710 a month
Without a mortgage
$461 a month
Hardin County: $511 a month
Owners with a mortgage
45%
Hardin County: 45%
The typical cost for an owner with a mortgage in Silsbee is $1,562 a month, less than in Hardin County ($1,710); without one, $461.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
SilsbeeNo clear change
Hardin County+66%
Texas+65%
United States+53%
Typical rent
SilsbeeNo clear change
Hardin County+30%
Texas+34%
United States+33%
Typical household income
Silsbee+30%
Hardin County+26%
Texas+27%
United States+29%
Change since 2015–2019: Silsbee and its comparisons
Measure
Silsbee
Hardin County
Texas
United States
Typical home value
No clear change
+66%
+65%
+53%
Typical rent
No clear change
+30%
+34%
+33%
Typical household income
+30%
+26%
+27%
+29%
Since 2015–2019, home values in Silsbee moved so little that the Census cannot say whether they rose or fell.
Rent in Silsbee moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Silsbee and its comparisons
Measure
Silsbee
Hardin 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
4.1%
4.8%
3.4%
People per household
2.50
2.57
2.69
2.53
Drive alone
86%
86%
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
5%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
By size, households in Silsbee look like those in Hardin County: 2.50 people on average.
To get to work, 86% of workers in Silsbee drive alone; in Hardin County, 86%.
Do the math
What would you pay each month for a home in Silsbee?
A typical home is within reach of the typical income
We start with a typical home in Silsbee, worth $148,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in Silsbee, which is $59,907 a year.
The calculator's FHA and conventional loan limits are those of all of Hardin 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 Silsbee. 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 $5,194 (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
$1,264
at 7.18% · 30 years
Loan amount
$145,712
Total interest
$209,646
Paid off in
November 2056
Includes $2,506 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,398 a month
Your payment · 25%
Tight
$1,398 to $1,797 a month
Hard
more than $1,797 a month
Compared with the typical household income in Silsbee ($59,907 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$987
Property tax
$150
Home insurance
$62
FHA mortgage insurance (MIP)
$66
You need at least $5,194 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 $1,264; principal and interest $987.
The city and its county
Silsbee and Hardin County
Silsbee is in Hardin 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).
Silsbee
Map of Hardin County, Texas, with Silsbee marked. Around it, the neighboring counties.
Silsbee
Hardin County
Other cities with a page
Silsbee's own numbers
Typical home value
$148,400
Typical monthly rent
$1,011
Typical yearly household income
$59,907
Households that own their home
68%
Effective property tax rate
1.21%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hardin County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,218
Price change over 5 years (FHFA)
+37%
Homes in a high flood-risk zone
6.9%
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 Hardin County.
A typical home in Silsbee is worth $148,400: 28% below the county and 48% below Texas. With the typical household income in Silsbee ($59,907 a year), a typical home costs 2.5 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.
Silsbee2.5 years
Hardin2.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hardin County
According to FHFA’s house price index, home prices in Hardin County rose 68% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hardin County.
Yearly change in FHFA’s price index in Hardin County, 2016 to 2025
2016: +2.4% +2.4% 2016
2017: +4.2% +4.2% 2017
2018: +4.8% +4.8% 2018
2019: +5.6% +5.6% 2019
2020: +4.2% +4.2% 2020
2021: +8.1% +8.1% 2021
2022: +11.0% +11.0% 2022
2023: +1.6% +1.6% 2023
2024: +5.5% +5.5% 2024
2025: +6.4% +6.4% 2025
Change in FHFA’s price index in Hardin County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+6.4%
+0.8%
+2.9%
5 years (2020–2025)
+37%
+44%
+47%
10 years (2015–2025)
+68%
+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
Silsbee next to Hardin 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
Silsbee$148,400
Hardin$205,700
Texas$283,800
United States$332,700
Typical monthly rent
Silsbee$1,011
Hardin$1,049
Texas$1,403
United States$1,413
Typical yearly household income
Silsbee$59,907
Hardin$75,808
Texas$78,476
United States$80,734
See the full table
Silsbee next to Hardin County and Texas
Measure
Silsbee
Hardin County
Texas
U.S.
Typical home value
$148,400 ▼28% below the county
$205,700
$283,800
$332,700
Typical monthly rent
$1,011 ▼4% below the county
$1,049
$1,403
$1,413
Typical yearly household income
$59,907 ▼21% below the county
$75,808
$78,476
$80,734
Households that own their home
68% ▼15 points below the county
82%
63%
65%
Typical yearly property tax
$1,792 ▼20% below the county
$2,238
$4,232
$3,119
Effective property tax rate
1.21% ▲0.12 points above the county
1.09%
1.49%
0.94%
Renters with high rent for their income
47% ▲1 points above the county
46%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hardin 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 Silsbee
For a typical $148,400 home in Silsbee, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Silsbee's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,264a month
Least cash to close
Down payment
$5,194
Cash to close
$9,646
Rate
7.18%
Mortgage insurance
FHA MIP · $66
Conventional, 5% down$1,237a month
Down payment
$7,420
Cash to close
$11,872
Rate
7.18%
Mortgage insurance
PMI · $70
Conventional, 20% down, no PMI$1,016a month
Down payment
$29,680
Cash to close
$34,132
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,153a month
Down payment
$22,260
Cash to close
$26,712
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Silsbee
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,264
$5,194
$145,712
7.18%
FHA MIP · $66
$9,646
580
Conventional, 5% down
$1,237
$7,420
$140,980
7.18%
PMI · $70
$11,872
620*
Conventional, 20% down, no PMI
$1,016
$29,680
$118,720
7.18%
None
$34,132
620*
ITIN, 15% down (example)
$1,153
$22,260
$126,140
8.18%
None
$26,712
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 Silsbee is $1,011 a month: 4% below the county. In Silsbee, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hardin County, by unit size. To pay the 2-bedroom one ($1,218 a month) without spending more than 30% of your income, you would need to earn $23.42 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 Hardin County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$980
$18.85
$39,200
1 bedroom
$986
$18.96
$39,440
2 bedrooms
$1,218
$23.42
$48,720
3 bedrooms
$1,588
$30.54
$63,520
4 bedrooms
$1,944
$37.38
$77,760
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 Silsbee
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Silsbee is in ZIP code 77656.
For 2 bedrooms it is $1,100: $118 less than the fair market rent for Hardin County ($1,218).
Fair market rent by ZIP code and size in Silsbee, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77656
$880
$890
$1,100
$1,430
$1,750
ZIP code2 bd3 bd
77656 $1,100$1,430
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Silsbee 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 Hardin 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 Silsbee or Hardin County. The ones below are statewide in Texas: they work in Silsbee 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 Silsbee or Hardin 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 Silsbee and all of Hardin 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 Silsbee?
The typical home value in Silsbee is $148,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hardin County it is $205,700.
How much does it cost to rent in Silsbee?
Typical rent in Silsbee is $1,011 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hardin County is $1,218.
What is the FHA loan limit in Silsbee?
Silsbee uses the FHA limit for all of Hardin 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 Silsbee?
The typical homeowner in Silsbee pays $1,792 a year, according to the U.S. Census Bureau. That is 1.21% of the home’s value; in Hardin County, the rate is 1.09%.
Where can I find free help to buy or rent in Silsbee?
We found no HUD-approved counseling agencies with an office in Hardin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
