City · 110,016 residents · Fort Bend County, Texas
Sugar Land, Texas
In Sugar Land, a typical home is worth $430,200 and typical rent is $1,957 a month. Compared with all of Fort Bend County, typical household income is 19% higher and the typical home value is 15% higher.
Typical home value from Zillow, September 2021 to September 2026: from $362,080 to $440,014.
Typical rent
$1,997a month
▼ 0.9% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,837 to $1,997.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sugar Land 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
Nearby, in Mission Bend, the typical home value is $233,800: 46% less than in Sugar Land ($430,200).
2
Nearby, in Pecan Grove, the typical rent is $1,507: 23% less than in Sugar Land ($1,957).
3
The typical household income in Sugar Land is $136,217,19% more than in Fort Bend County as a whole ($114,041).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sugar Land
What homes there are in Sugar Land, 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
Sugar Land
Fort Bend County
Texas
United States
Kind of home: Sugar Land and its comparisons
Measure
Sugar Land
Fort Bend County
Texas
United States
Detached house
87%
83%
64%
61%
Attached house
2%
2%
3%
6%
Building of 2 to 4
1%
2%
5%
8%
Apartments (5 or more)
10%
11%
21%
19%
Mobile home
Unreliable estimate
3%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 87% of homes here, against 83% in Fort Bend County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Sugar Land
Fort Bend County
Texas
United States
Year built: Sugar Land and its comparisons
Measure
Sugar Land
Fort Bend County
Texas
United States
Before 1960
2%
2%
12%
26%
1960–1979
11%
10%
21%
24%
1980–1999
57%
26%
28%
25%
2000–2009
19%
25%
18%
14%
2010 or later
11%
37%
21%
11%
Homes in Sugar Land are older: the typical year built is 1994; in Fort Bend County, 2005.
By size, homes in Sugar Land look like those in Fort Bend County: 86% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limit
Under $100K2%
$100K–$200K3%
$200K–$300K16%
$300K–$500K45%
$500K–$750K24%
FHA limit: $541,287
$750K–$1M6%
$1M or more4%
Value of owner-occupied homes: Sugar Land and its comparisons
Measure
Sugar Land
Under $100K
2%
$100K–$200K
3%
$200K–$300K
16%
$300K–$500K
45%
$500K–$750K
24%
$750K–$1M
6%
$1M or more
4%
The FHA loan limit for Fort Bend County is $541,287, and about 70% of owner-occupied homes in Sugar Land are worth less than that.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49918%
$1,500–$1,99934%
$2,000–$2,49925%
$2,500–$2,99911%
$3,000 or more11%
Monthly rent with utilities: Sugar Land and its comparisons
Measure
Sugar Land
Under $500
Unreliable
$500–$999
Unreliable estimate
$1,000–$1,499
18%
$1,500–$1,999
34%
$2,000–$2,499
25%
$2,500–$2,999
11%
$3,000 or more
11%
With a mortgage
$2,883 a month
Fort Bend County: $2,665 a month
Without a mortgage
$1,165 a month
Fort Bend County: $1,008 a month
Owners with a mortgage
55%
Fort Bend County: 64%
The typical cost for an owner with a mortgage in Sugar Land is $2,883 a month, more than in Fort Bend County ($2,665); without one, $1,165.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sugar Land+33%
Fort Bend County+41%
Texas+65%
United States+53%
Typical rent
Sugar Land+10%
Fort Bend County+26%
Texas+34%
United States+33%
Typical household income
Sugar Land+12%
Fort Bend County+17%
Texas+27%
United States+29%
Change since 2015–2019: Sugar Land and its comparisons
Measure
Sugar Land
Fort Bend County
Texas
United States
Typical home value
+33%
+41%
+65%
+53%
Typical rent
+10%
+26%
+34%
+33%
Typical household income
+12%
+17%
+27%
+29%
The typical home value in Sugar Land rose 33% since 2015–2019, less than in Fort Bend County (41%).
Since 2015–2019, the typical rent in Sugar Land rose 10%, less than in Fort Bend County (26%).
To compare: typical income in Sugar Land rose 12%; the home, +33%; the rent, +10%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sugar Land and its comparisons
Measure
Sugar Land
Fort Bend County
Texas
United States
Rental vacancy
6.0%
6.7%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.7%
1.1%
0.9%
More than one person per room
2.5%
3.3%
4.8%
3.4%
People per household
2.85
3.03
2.69
2.53
Drive alone
65%
70%
71%
69%
Carpool
9%
9%
10%
9%
Public transit
1%
1%
1%
3%
Walk or bike
1%
1%
2%
3%
Work from home
24%
18%
14%
15%
Other means
1%
1%
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
In Sugar Land, the rental vacancy rate is 6.0%, about the same as in Fort Bend County.
Much as in Fort Bend County, 2.5% of households in Sugar Land have more than one person per room.
Households in Sugar Land are smaller: 2.85 people on average; in Fort Bend County, 3.03.
Working from home is more common in Sugar Land: 24%, against 18% in Fort Bend County.
Do the math
What would you pay each month for a home in Sugar Land?
A typical home is tight for the typical income
We start with a typical home in Sugar Land, worth $430,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Sugar Land, which is $136,217 a year. For that payment to be 28% of income, a household would need to earn about $164,593 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 Sugar Land. 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 $15,057 (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
$3,840
at 7.18% · 30 years
Loan amount
$422,408
Total interest
$607,746
Paid off in
November 2056
Includes $7,265 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $3,178 a month
Tight
$3,178 to $4,087 a month
Your payment · 34%
Hard
more than $4,087 a month
Compared with the typical household income in Sugar Land ($136,217 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,862
Property tax
$609
Home insurance
$179
FHA mortgage insurance (MIP)
$190
You need at least $15,057 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 $3,840; principal and interest $2,862.
The city and its county
Sugar Land and Fort Bend County
Sugar Land 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).
Sugar Land
Map of Fort Bend County, Texas, with Sugar Land marked. Around it, the neighboring counties.
Sugar Land
Fort Bend County
Other cities with a page
Sugar Land's own numbers
Typical home value
$430,200
Typical monthly rent
$1,957
Typical yearly household income
$136,217
Households that own their home
80%
Effective property tax rate
1.7%
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 Sugar Land is worth $430,200: 15% above the county and 52% above Texas. With the typical household income in Sugar Land ($136,217 a year), a typical home costs 3.2 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.
Sugar Land3.2 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
Sugar Land 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
Sugar Land$430,200
Fort Bend$374,500
Texas$283,800
United States$332,700
Typical monthly rent
Sugar Land$1,957
Fort Bend$1,807
Texas$1,403
United States$1,413
Typical yearly household income
Sugar Land$136,217
Fort Bend$114,041
Texas$78,476
United States$80,734
See the full table
Sugar Land next to Fort Bend County and Texas
Measure
Sugar Land
Fort Bend County
Texas
U.S.
Typical home value
$430,200 ▲15% above the county
$374,500
$283,800
$332,700
Typical monthly rent
$1,957 ▲8% above the county
$1,807
$1,403
$1,413
Typical yearly household income
$136,217 ▲19% above the county
$114,041
$78,476
$80,734
Households that own their home
80% ▲3 points above the county
77%
63%
65%
Typical yearly property tax
$7,320 ▲5% above the county
$6,965
$4,232
$3,119
Effective property tax rate
1.7% ▼0.16 points below the county
1.86%
1.49%
0.94%
Renters with high rent for their income
52% ▼2 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 Sugar Land
For a typical $430,200 home in Sugar Land, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sugar Land's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,841a month
Least cash to close
Down payment
$15,057
Cash to close
$27,963
Rate
7.18%
Mortgage insurance
FHA MIP · $190
Conventional, 5% down$3,762a month
Down payment
$21,510
Cash to close
$34,416
Rate
7.18%
Mortgage insurance
PMI · $204
Conventional, 20% down, no PMI$3,120a month
Down payment
$86,040
Cash to close
$98,946
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,518a month
Down payment
$64,530
Cash to close
$77,436
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sugar Land
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,841
$15,057
$422,408
7.18%
FHA MIP · $190
$27,963
580
Conventional, 5% down
$3,762
$21,510
$408,690
7.18%
PMI · $204
$34,416
620*
Conventional, 20% down, no PMI
$3,120
$86,040
$344,160
7.18%
None
$98,946
620*
ITIN, 15% down (example)
$3,518
$64,530
$365,670
8.18%
None
$77,436
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 Sugar Land is $1,957 a month: 8% above the county. In Sugar Land, 52% 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 Sugar Land
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sugar Land has 3 ZIP codes with their own.
For 2 bedrooms it runs from $1,840 in 77478 to $2,160 in 77479.
3 of the 3 are above the fair market rent for Fort Bend County ($1,497).
2-bedroom fair market rent in each of the 3 ZIP codes of Sugar Land, beside the one for Fort Bend County. For 2 bedrooms it runs from $1,840 in 77478 to $2,160 in 77479. 3 of the 3 are above the fair market rent for Fort Bend County ($1,497).
2-bedroom fair market rent in each ZIP code
Each line is one ZIP code: in color, those above the county's fair market rent; in gray, the rest.
County: $1,497
Lowest: $1,840 (77478)Highest: $2,160 (77479)
Fair market rent by ZIP code and size in Sugar Land, fiscal year 2027.
77478
$1,520
$1,550
$1,840
$2,480
$3,080
77479
$1,780
$1,820
$2,160
$2,910
$3,610
77498
$1,610
$1,640
$1,950
$2,630
$3,260
ZIP code2 bd3 bd
77478 $1,840$2,480
77479 $2,160$2,910
77498 $1,950$2,630
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sugar Land 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 8 buildings with rents for lower incomes in Sugar Land. These are the largest.
Provision at Four CornersN Side of Old Richmond Rd, W of Sugarbridge Trail, Sugar Land 77498132 homes, 109 low-income
Terraces at Arboretum15928 Old Richmond Rd, Sugar Land 77498112 homes, 98 low-income · 1 bd: 41 · 2 bd: 48 · 3 bd: 23 · For older adults, people with disabilities, families, people experiencing homelessness
Provision at West BellfortS Side of W Bellfort Ave at Belknap RD, Sugar Land 77478144 homes, 94 low-income
Gala at Four CornersN Side of Old Richmond Rd, W of Sugarbridge Trail, Sugar Land 7749890 homes, 72 low-income
Provision at West Bellfort13701 W Bellfort St, Sugar Land 77498134 homes, 10 low-income(281) 815-4669
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 Sugar Land or Fort Bend County. The ones below are statewide in Texas: they work in Sugar Land 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 Sugar Land 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 Sugar Land 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 Sugar Land?
The typical home value in Sugar Land is $430,200, 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 Sugar Land?
Typical rent in Sugar Land is $1,957 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 Sugar Land?
Sugar Land 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 Sugar Land?
The typical homeowner in Sugar Land pays $7,320 a year, according to the U.S. Census Bureau. That is 1.7% 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 Sugar Land?
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.
