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City · 10,563 residents · Williamson County, Texas

Sonterra , Texas

In Sonterra, a typical home is worth $273,600 and typical rent is $1,854 a month. Compared with all of Williamson County, the typical home value is 39% lower, typical household income is 17% lower, and the share of households that own their home is 11 points higher.

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  • Typical home value

    $273,600

    39% below the county

    4% below Texas

    • Sonterra
    • Williamson
    • Texas

  • Typical rent

    $1,854a month

    3% above the county

    32% above Texas

    • Sonterra
    • Williamson
    • Texas

  • Typical household income

    $92,319a year

    17% below the county

    18% above Texas

    • Sonterra
    • Williamson
    • Texas

  • Households that own their home

    77%

    11 points above the county

    14 points above Texas

    • Sonterra
    • Williamson
    • Texas

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

Sonterra 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 Sonterra apart

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

  1. Nearby, in Harker Heights, the typical rent is $1,146: 38% less than in Sonterra ($1,854).

  2. The typical home in Sonterra is worth $273,600, 39% less than in Williamson County as a whole ($447,000).

  3. Sonterra has the 16th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (70%).

  4. The typical household income in Sonterra is $92,319, 17% less than in Williamson County as a whole ($111,340).

  5. 77% of households in Sonterra own their home, against 66% in Williamson County.

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

The homes here

Housing in Sonterra

What homes there are in Sonterra, 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 Sonterra, 9 in 10 homes are single-family detached houses; in Williamson County, 7.

Year built

Here half of the homes date from 2015 or later; in Williamson County, from 2006 or later.

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

$1,948 a month

Williamson County: $2,453 a month

Without a mortgage

$720 a month

Williamson County: $938 a month

Owners with a mortgage

88%

Williamson County: 70%

The typical cost for an owner with a mortgage in Sonterra is $1,948 a month, less than in Williamson County ($2,453); without one, $720.

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

Sonterra 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

MeasureSonterraWilliamson 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 3.142.652.692.53
Drive alone 75%64%71%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 8%25%14%15%
Other means Unreliable estimate2%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Sonterra are bigger: 3.14 people on average; in Williamson County, 2.65.

In Sonterra, 75% of workers drive alone to work; in Williamson County, 64%.

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 Sonterra?

A typical home is tight for the typical income

We start with a typical home in Sonterra, worth $273,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Sonterra, which is $92,319 a year. For that payment to be 28% of income, a household would need to earn about $108,001 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 Sonterra. 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 $9,576 (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

$2,520

at 7.18% · 30 years

Loan amount
$268,644
Total interest
$386,516
Paid off in
November 2056

Includes $4,620 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,154 a month

  • Tight

    $2,154 to $2,770 a month

    Your payment · 33%

  • Hard

    more than $2,770 a month

Compared with the typical household income in Sonterra ($92,319 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,520
Principal & interest$1,820
Property tax$465
Home insurance$114
FHA mortgage insurance (MIP)$121

You need at least $9,576 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

Sonterra and Williamson County

Sonterra 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).

Sonterra's own numbers

Typical home value
$273,600
Typical monthly rent
$1,854
Typical yearly household income
$92,319
Households that own their home
77%
Effective property tax rate
2.04%

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 Sonterra

A typical home in Sonterra is worth $273,600: 39% below the county and 4% below Texas. With the typical household income in Sonterra ($92,319 a year), a typical home costs 3.0 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.

  • Sonterra 3.0 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

Sonterra 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
  • Sonterra $273,600
  • Williamson $447,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Sonterra $1,854
  • Williamson $1,796
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Sonterra $92,319
  • Williamson $111,340
  • Texas $78,476
  • United States $80,734
See the full table
Sonterra next to Williamson County and Texas
Measure Sonterra Williamson County Texas U.S.
Typical home value $273,600 $447,000 $283,800 $332,700
Typical monthly rent $1,854 $1,796 $1,403 $1,413
Typical yearly household income $92,319 $111,340 $78,476 $80,734
Households that own their home 77% 66% 63% 65%
Typical yearly property tax $5,592 $7,205 $4,232 $3,119
Effective property tax rate 2.04% 1.61% 1.49% 0.94%
Renters with high rent for their income 70% 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 Sonterra

For a typical $273,600 home in Sonterra, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sonterra's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,520a month

    Least cash to close
    Down payment
    $9,576
    Cash to close
    $17,784
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $121

  • Conventional, 5% down $2,470a month

    Down payment
    $13,680
    Cash to close
    $21,888
    Rate
    7.18%
    Mortgage insurance
    PMI · $130

  • Conventional, 20% down, no PMI $2,062a month

    Down payment
    $54,720
    Cash to close
    $62,928
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,315a month

    Down payment
    $41,040
    Cash to close
    $49,248
    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 Sonterra and for Williamson County.

Property tax

Effective rate in Sonterra

2.04%of the home’s value each year

$5,592 a year for the typical owner in Sonterra.

  • Sonterra 2.04%
  • 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 Sonterra

Typical rent in Sonterra is $1,854 a month: 3% above the county. In Sonterra, 70% 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 Sonterra

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sonterra is in ZIP code 76537.

For 2 bedrooms it is $1,910: $93 more than the fair market rent for Williamson County ($1,817).

  • 76537 $1,910$2,410

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

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 young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Sonterra

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

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

  • Families in Crisis, Inc.

    1305 E Rancier Ave, Killeen · 23 miles away · Spanish

    • Budget and financial counseling
    • Budget and credit workshops
    • and 5 more
    (254) 634-1184

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 37 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 · 38 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (512) 912-9884

All counseling agencies in Texas

Help in Spanish near Sonterra

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 Sonterra

In HUD’s record, no housing authority with an office in Williamson County is named for Sonterra 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 Sonterra, 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 Sonterra.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Sonterra

Short answers with the numbers for Sonterra 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 Sonterra?

The typical home value in Sonterra is $273,600, 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 Sonterra?

Typical rent in Sonterra is $1,854 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 Sonterra?

Sonterra 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 Sonterra?

The typical homeowner in Sonterra pays $5,592 a year, according to the U.S. Census Bureau. That is 2.04% of the home’s value; in Williamson County, the rate is 1.61%.

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

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).