In Stafford, a typical home is worth $257,700 and typical rent is $1,519 a month. Compared with all of Fort Bend County, the typical home value is 31% lower, typical household income is 23% lower, and the share of households that own their home is 38 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $252,965 to $296,067.
Typical rent
$1,568a month
= about the same as 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,466 to $1,568.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Stafford is in Fort Bend 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 Fort Bend County. See the county
What this place has that others do not, from public data, most unusual first.
1
39% of households in Stafford own their home, against 77% in Fort Bend County.
2
Stafford has the 12th smallest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (36%).
3
The typical home in Stafford is worth $257,700,31% less than in Fort Bend County as a whole ($374,500).
4
The typical household income in Stafford is $87,432,23% less than in Fort Bend County as a whole ($114,041).
5
The typical rent in Stafford is $1,519 a month, 16% less than in Fort Bend County as a whole ($1,807).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Stafford
What homes there are in Stafford, 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
Stafford
Fort Bend County
Texas
United States
Kind of home: Stafford and its comparisons
Measure
Stafford
Fort Bend County
Texas
United States
Detached house
44%
83%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
2%
5%
8%
Apartments (5 or more)
46%
11%
21%
19%
Mobile home
4%
3%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Many people here live in apartments: 5 in 10 homes; in Fort Bend County, 1.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Stafford
Fort Bend County
Texas
United States
Year built: Stafford and its comparisons
Measure
Stafford
Fort Bend County
Texas
United States
Before 1960
Unreliable estimate
2%
12%
26%
1960–1979
20%
10%
21%
24%
1980–1999
46%
26%
28%
25%
2000–2009
16%
25%
18%
14%
2010 or later
17%
37%
21%
11%
In Stafford, half of the homes were built before 1993; in Fort Bend County, before 2005.
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 $100K12%
$100K–$200K12%
$200K–$300K40%
$300K–$500K32%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Stafford and its comparisons
Measure
Stafford
Under $100K
12%
$100K–$200K
12%
$200K–$300K
40%
$300K–$500K
32%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
The FHA limit for Fort Bend County is high ($541,287): at least 96% of owner-occupied homes in Stafford are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49943%
$1,500–$1,99935%
$2,000–$2,49914%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Stafford and its comparisons
Measure
Stafford
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
43%
$1,500–$1,999
35%
$2,000–$2,499
14%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,914 a month
Fort Bend County: $2,665 a month
Without a mortgage
$775 a month
Fort Bend County: $1,008 a month
Owners with a mortgage
41%
Fort Bend County: 64%
The typical cost for an owner with a mortgage in Stafford is $1,914 a month, less than in Fort Bend County ($2,665); without one, $775.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Stafford+43%
Fort Bend County+41%
Texas+65%
United States+53%
Typical rent
Stafford+24%
Fort Bend County+26%
Texas+34%
United States+33%
Typical household income
Stafford+40%
Fort Bend County+17%
Texas+27%
United States+29%
Change since 2015–2019: Stafford and its comparisons
Measure
Stafford
Fort Bend County
Texas
United States
Typical home value
+43%
+41%
+65%
+53%
Typical rent
+24%
+26%
+34%
+33%
Typical household income
+40%
+17%
+27%
+29%
Much as in Fort Bend County, the typical home value in Stafford rose 43% since 2015–2019.
The typical rent in Stafford rose 24% since 2015–2019, about the same as in Fort Bend County (26%).
To compare: typical income in Stafford rose 40%; the home, +43%; the rent, +24%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Stafford and its comparisons
Measure
Stafford
Fort Bend County
Texas
United States
Rental vacancy
Unreliable estimate
6.7%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
Unreliable estimate
3.3%
4.8%
3.4%
People per household
2.62
3.03
2.69
2.53
Drive alone
76%
70%
71%
69%
Carpool
5%
9%
10%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
10%
18%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
20 to 29 minutes
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
Households in Stafford are smaller: 2.62 people on average; in Fort Bend County, 3.03.
The car rules in Stafford: 76% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Stafford?
A typical home is tight for the typical income
We start with a typical home in Stafford, worth $257,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 30% of the typical household income in Stafford, which is $87,432 a year. For that payment to be 28% of income, a household would need to earn about $94,730 a year.
The calculator's FHA and conventional loan limits are those of all of Fort Bend 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 Stafford. 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 $9,020 (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
$2,210
at 7.18% · 30 years
Loan amount
$253,032
Total interest
$364,054
Paid off in
November 2056
Includes $4,352 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,040 a month
Tight
$2,040 to $2,623 a month
Your payment · 30%
Hard
more than $2,623 a month
Compared with the typical household income in Stafford ($87,432 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,714
Property tax
$275
Home insurance
$107
FHA mortgage insurance (MIP)
$114
You need at least $9,020 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 $2,210; principal and interest $1,714.
The city and its county
Stafford and Fort Bend County
Stafford is in Fort Bend 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).
Stafford
Map of Fort Bend County, Texas, with Stafford marked. Around it, the neighboring counties.
Stafford
Fort Bend County
Other cities with a page
Stafford's own numbers
Typical home value
$257,700
Typical monthly rent
$1,519
Typical yearly household income
$87,432
Households that own their home
39%
Effective property tax rate
1.28%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Fort Bend 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)
+56%
Homes in a high flood-risk zone
2.6%
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 Fort Bend County.
A typical home in Stafford is worth $257,700: 31% below the county and 9% below Texas. With the typical household income in Stafford ($87,432 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.
Stafford2.9 years
Fort Bend3.3 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Fort Bend County
According to FHFA’s house price index, home prices in Fort Bend County rose 91% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Fort Bend County.
Yearly change in FHFA’s price index in Fort Bend County, 2016 to 2025
2016: +7.4% +7.4% 2016
2017: +3.7% +3.7% 2017
2018: +4.3% +4.3% 2018
2019: +4.9% +4.9% 2019
2020: +0.5% +0.5% 2020
2021: +10.6% +10.6% 2021
2022: +20.8% +20.8% 2022
2023: +6.7% +6.7% 2023
2024: +3.1% +3.1% 2024
2025: +6.0% +6.0% 2025
Change in FHFA’s price index in Fort Bend County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+6.0%
+0.8%
+2.9%
5 years (2020–2025)
+56%
+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
Stafford next to Fort Bend 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
Stafford$257,700
Fort Bend$374,500
Texas$283,800
United States$332,700
Typical monthly rent
Stafford$1,519
Fort Bend$1,807
Texas$1,403
United States$1,413
Typical yearly household income
Stafford$87,432
Fort Bend$114,041
Texas$78,476
United States$80,734
See the full table
Stafford next to Fort Bend County and Texas
Measure
Stafford
Fort Bend County
Texas
U.S.
Typical home value
$257,700 ▼31% below the county
$374,500
$283,800
$332,700
Typical monthly rent
$1,519 ▼16% below the county
$1,807
$1,403
$1,413
Typical yearly household income
$87,432 ▼23% below the county
$114,041
$78,476
$80,734
Households that own their home
39% ▼38 points below the county
77%
63%
65%
Typical yearly property tax
$3,311 ▼52% below the county
$6,965
$4,232
$3,119
Effective property tax rate
1.28% ▼0.58 points below the county
1.86%
1.49%
0.94%
Renters with high rent for their income
36% ▼18 points below the county
54%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Fort Bend 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 Stafford
For a typical $257,700 home in Stafford, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Stafford's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,210a month
Least cash to close
Down payment
$9,020
Cash to close
$16,751
Rate
7.18%
Mortgage insurance
FHA MIP · $114
Conventional, 5% down$2,163a month
Down payment
$12,885
Cash to close
$20,616
Rate
7.18%
Mortgage insurance
PMI · $122
Conventional, 20% down, no PMI$1,779a month
Down payment
$51,540
Cash to close
$59,271
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,017a month
Down payment
$38,655
Cash to close
$46,386
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Stafford
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,210
$9,020
$253,032
7.18%
FHA MIP · $114
$16,751
580
Conventional, 5% down
$2,163
$12,885
$244,815
7.18%
PMI · $122
$20,616
620*
Conventional, 20% down, no PMI
$1,779
$51,540
$206,160
7.18%
None
$59,271
620*
ITIN, 15% down (example)
$2,017
$38,655
$219,045
8.18%
None
$46,386
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 Stafford is $1,519 a month: 16% below the county. In Stafford, 36% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Fort Bend 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Fort Bend County (Fiscal year 2027)
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 Stafford
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Stafford is in ZIP code 77477.
For 2 bedrooms it is $1,580: $83 more than the fair market rent for Fort Bend County ($1,497).
Fair market rent by ZIP code and size in Stafford, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77477
$1,300
$1,330
$1,580
$2,130
$2,640
ZIP code2 bd3 bd
77477 $1,580$2,130
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Stafford 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)
HUD lists 3 buildings with rents for lower incomes in Stafford. These are the largest.
The MiramonteMoore Road (between Court RD & 5th St), Stafford 77477124 homes, 87 low-income · For older adults, people with disabilities, families, people experiencing homelessness
Miramonte Single LivingMoore Road (between Court RD & 5th St), Stafford 7747768 homes, 55 low-income · For older adults, people with disabilities, families, people experiencing homelessness
Park at Fort Bend3001 Dove Country Dr, Stafford 77477246 homes
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 2 HUD-approved agencies with an office in Fort Bend County; 2 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Stafford or Fort Bend County. The ones below are statewide in Texas: they work in Stafford 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 Stafford or Fort Bend 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 Stafford and all of Fort Bend 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 Stafford?
The typical home value in Stafford is $257,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Fort Bend County it is $374,500.
How much does it cost to rent in Stafford?
Typical rent in Stafford is $1,519 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Fort Bend County is $1,497.
What is the FHA loan limit in Stafford?
Stafford uses the FHA limit for all of Fort Bend 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 Stafford?
The typical homeowner in Stafford pays $3,311 a year, according to the U.S. Census Bureau. That is 1.28% of the home’s value; in Fort Bend County, the rate is 1.86%.
Where can I find free help to buy or rent in Stafford?
There are 2 HUD-approved counseling agencies with an office in Fort Bend County. 2 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
