In Sulphur Springs, a typical home is worth $217,800 and typical rent is $1,106 a month. Compared with all of Hopkins County, typical household income is 12% lower and the share of households that own their home is 16 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $247,006 to $239,665.
Typical rent
$1,639a month
Typical rent from Zillow, March 2026 to September 2026: from $1,652 to $1,639.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sulphur Springs is in Hopkins 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 Hopkins County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Paris, the typical home value is $150,000: 31% less than in Sulphur Springs ($217,800).
2
55% of households in Sulphur Springs own their home, against 71% in Hopkins County.
3
Nearby, in Commerce, the typical rent is $909: 18% less than in Sulphur Springs ($1,106).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sulphur Springs
What homes there are in Sulphur Springs, 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
Sulphur Springs
Hopkins County
Texas
United States
Kind of home: Sulphur Springs and its comparisons
Measure
Sulphur Springs
Hopkins County
Texas
United States
Detached house
72%
75%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
7%
3%
5%
8%
Apartments (5 or more)
17%
8%
21%
19%
Mobile home
Unreliable estimate
13%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Hopkins County, most homes in Sulphur Springs are detached houses (72%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Sulphur Springs
Hopkins County
Texas
United States
Year built: Sulphur Springs and its comparisons
Measure
Sulphur Springs
Hopkins County
Texas
United States
Before 1960
26%
17%
12%
26%
1960–1979
33%
26%
21%
24%
1980–1999
22%
27%
28%
25%
2000–2009
7%
13%
18%
14%
2010 or later
13%
17%
21%
11%
In Sulphur Springs, half of the homes were built before 1976; in Hopkins County, before 1985.
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 $100K17%
$100K–$200K28%
$200K–$300K32%
$300K–$500K19%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sulphur Springs and its comparisons
Measure
Sulphur Springs
Under $100K
17%
$100K–$200K
28%
$200K–$300K
32%
$300K–$500K
19%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
At least 96% of owner-occupied homes in Sulphur Springs are worth less than $500,000, below the FHA loan limit for Hopkins County ($541,287).
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99936%
$1,000–$1,49937%
$1,500–$1,99920%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sulphur Springs and its comparisons
Measure
Sulphur Springs
Under $500
Unreliable estimate
$500–$999
36%
$1,000–$1,499
37%
$1,500–$1,999
20%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$1,420 a month
Hopkins County: $1,527 a month
Without a mortgage
$608 a month
Hopkins County: $568 a month
Owners with a mortgage
47%
Hopkins County: 41%
Owning costs less in Sulphur Springs: with a mortgage, the typical cost is $1,420 a month; in Hopkins County, $1,527. Without one, $608.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sulphur Springs+113%
Hopkins County+92%
Texas+65%
United States+53%
Typical rent
Sulphur Springs+34%
Hopkins County+37%
Texas+34%
United States+33%
Typical household income
Sulphur Springs+36%
Hopkins County+36%
Texas+27%
United States+29%
Change since 2015–2019: Sulphur Springs and its comparisons
Measure
Sulphur Springs
Hopkins County
Texas
United States
Typical home value
+113%
+92%
+65%
+53%
Typical rent
+34%
+37%
+34%
+33%
Typical household income
+36%
+36%
+27%
+29%
The typical home value in Sulphur Springs rose 113% since 2015–2019, more than in Hopkins County (92%).
Much as in Hopkins County, the typical rent in Sulphur Springs rose 34% since 2015–2019.
To compare: typical income in Sulphur Springs rose 36%; the home, +113%; the rent, +34%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sulphur Springs and its comparisons
Measure
Sulphur Springs
Hopkins 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
4.2%
3.6%
4.8%
3.4%
People per household
2.59
2.66
2.69
2.53
Drive alone
78%
78%
71%
69%
Carpool
11%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
6%
7%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
More than one person per room: that is how 4.2% of households in Sulphur Springs live, near the figure in Hopkins County (3.6%).
A household in Sulphur Springs has 2.59 people on average, about the same as in Hopkins County (2.66).
In Sulphur Springs, 78% of workers drive alone to work; in Hopkins County, 78%.
Do the math
What would you pay each month for a home in Sulphur Springs?
A typical home is tight for the typical income
We start with a typical home in Sulphur Springs, worth $217,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 36% of the typical household income in Sulphur Springs, which is $62,397 a year. For that payment to be 28% of income, a household would need to earn about $79,207 a year.
The calculator's FHA and conventional loan limits are those of all of Hopkins 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 Sulphur Springs. 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 $7,623 (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
$1,848
at 7.18% · 30 years
Loan amount
$213,855
Total interest
$307,687
Paid off in
November 2056
Includes $3,678 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,456 a month
Tight
$1,456 to $1,872 a month
Your payment · 36%
Hard
more than $1,872 a month
Compared with the typical household income in Sulphur Springs ($62,397 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,449
Property tax
$212
Home insurance
$91
FHA mortgage insurance (MIP)
$96
You need at least $7,623 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 $1,848; principal and interest $1,449.
The city and its county
Sulphur Springs and Hopkins County
Sulphur Springs is in Hopkins 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).
Sulphur Springs
Map of Hopkins County, Texas, with Sulphur Springs marked. Around it, the neighboring counties.
Sulphur Springs
Hopkins County
Other cities with a page
Sulphur Springs's own numbers
Typical home value
$217,800
Typical monthly rent
$1,106
Typical yearly household income
$62,397
Households that own their home
55%
Effective property tax rate
1.17%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Hopkins County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,205
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
1.1%
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 Hopkins County.
A typical home in Sulphur Springs is worth $217,800: about the same as the county and 23% below Texas. With the typical household income in Sulphur Springs ($62,397 a year), a typical home costs 3.5 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.
Sulphur Springs3.5 years
Hopkins3.1 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Hopkins County
According to FHFA’s house price index, home prices in Hopkins County rose 127% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Hopkins County.
Yearly change in FHFA’s price index in Hopkins County, 2016 to 2025
2016: +7.9% +7.9% 2016
2017: +6.5% +6.5% 2017
2018: +3.2% +3.2% 2018
2019: +11.3% +11.3% 2019
2020: +4.2% +4.2% 2020
2021: +15.5% +15.5% 2021
2022: +25.3% +25.3% 2022
2023: +5.1% +5.1% 2023
2024: +0.3% +0.3% 2024
2025: +8.1% +8.1% 2025
Change in FHFA’s price index in Hopkins County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+8.1%
+0.8%
+2.9%
5 years (2020–2025)
+65%
+44%
+47%
10 years (2015–2025)
+127%
+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
Sulphur Springs next to Hopkins 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
Sulphur Springs$217,800
Hopkins$221,100
Texas$283,800
United States$332,700
Typical monthly rent
Sulphur Springs$1,106
Hopkins$1,109
Texas$1,403
United States$1,413
Typical yearly household income
Sulphur Springs$62,397
Hopkins$70,888
Texas$78,476
United States$80,734
See the full table
Sulphur Springs next to Hopkins County and Texas
Measure
Sulphur Springs
Hopkins County
Texas
U.S.
Typical home value
$217,800
$221,100
$283,800
$332,700
Typical monthly rent
$1,106
$1,109
$1,403
$1,413
Typical yearly household income
$62,397 ▼12% below the county
$70,888
$78,476
$80,734
Households that own their home
55% ▼16 points below the county
71%
63%
65%
Typical yearly property tax
$2,549 ▲15% above the county
$2,221
$4,232
$3,119
Effective property tax rate
1.17% ▲0.17 points above the county
1%
1.49%
0.94%
Renters with high rent for their income
41% ▼3 points below the county
45%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Hopkins 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 Sulphur Springs
For a typical $217,800 home in Sulphur Springs, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sulphur Springs's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,848a month
Least cash to close
Down payment
$7,623
Cash to close
$14,157
Rate
7.18%
Mortgage insurance
FHA MIP · $96
Conventional, 5% down$1,808a month
Down payment
$10,890
Cash to close
$17,424
Rate
7.18%
Mortgage insurance
PMI · $103
Conventional, 20% down, no PMI$1,483a month
Down payment
$43,560
Cash to close
$50,094
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,685a month
Down payment
$32,670
Cash to close
$39,204
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sulphur Springs
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,848
$7,623
$213,855
7.18%
FHA MIP · $96
$14,157
580
Conventional, 5% down
$1,808
$10,890
$206,910
7.18%
PMI · $103
$17,424
620*
Conventional, 20% down, no PMI
$1,483
$43,560
$174,240
7.18%
None
$50,094
620*
ITIN, 15% down (example)
$1,685
$32,670
$185,130
8.18%
None
$39,204
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 Sulphur Springs is $1,106 a month: about the same as the county. In Sulphur Springs, 41% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Hopkins County, by unit size. To pay the 2-bedroom one ($1,205 a month) without spending more than 30% of your income, you would need to earn $23.17 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 Hopkins County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,002
$19.27
$40,080
1 bedroom
$1,020
$19.62
$40,800
2 bedrooms
$1,205
$23.17
$48,200
3 bedrooms
$1,607
$30.90
$64,280
4 bedrooms
$1,613
$31.02
$64,520
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 Sulphur Springs
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sulphur Springs is in ZIP code 75482.
For 2 bedrooms it is $1,200: $5 less than the fair market rent for Hopkins County ($1,205).
Fair market rent by ZIP code and size in Sulphur Springs, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75482
$1,000
$1,020
$1,200
$1,600
$1,610
ZIP code2 bd3 bd
75482 $1,200$1,600
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sulphur Springs 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 4 buildings with rents for lower incomes in Sulphur Springs. These are the largest.
Heartland Village Apts749 Wildcat Way, Sulphur Springs 7548280 low-income homes · 1 bd: 8 · 2 bd: 40 · 3 bd: 32 · In service since 2013
Sulphur Springs Pioneer Crossing for Seniors668 Gossett Ln, Sulphur Springs 7548280 low-income homes · In service since 2012
Reserve at Sulphur SpringsNWC League ST. S. and Bell ST., Sulphur Springs 7548272 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
Trinity Oaks Apartments600 Woodlawn St, Sulphur Springs 7548224 low-income homes · For older adults(903) 885-1131
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 Hopkins 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 Sulphur Springs or Hopkins County. The ones below are statewide in Texas: they work in Sulphur Springs 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).
The HUD-approved agencies closest to the center of Sulphur Springs, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for Sulphur Springs or Hopkins 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 Sulphur Springs and all of Hopkins 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 Sulphur Springs?
The typical home value in Sulphur Springs is $217,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hopkins County it is $221,100.
How much does it cost to rent in Sulphur Springs?
Typical rent in Sulphur Springs is $1,106 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hopkins County is $1,205.
What is the FHA loan limit in Sulphur Springs?
Sulphur Springs uses the FHA limit for all of Hopkins 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 Sulphur Springs?
The typical homeowner in Sulphur Springs pays $2,549 a year, according to the U.S. Census Bureau. That is 1.17% of the home’s value; in Hopkins County, the rate is 1%.
Where can I find free help to buy or rent in Sulphur Springs?
We found no HUD-approved counseling agencies with an office in Hopkins County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
