In Sweetwater, a typical home is worth $80,800 and typical rent is $907 a month. Compared with all of Nolan County, the typical home value is 16% lower, typical household income is 12% lower, and the share of households that own their home is 8 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $140,201 to $118,581.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Sweetwater is in Nolan 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 Nolan County. See the county
What this place has that others do not, from public data, most unusual first.
1
Sweetwater has the 9th lowest typical home value of the 422 cities in Texas with more than 5,000 people ($80,800).
2
According to Zillow, in the 12 months to September 2026 the typical home value in Sweetwater rose 6.6%; in Texas, it fell 1.4%.
3
Sweetwater has the 25th lowest typical household income of the 424 cities in Texas with more than 5,000 people ($44,892).
4
60% of households in Sweetwater own their home, against 68% in Nolan County.
Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data
The homes here
Housing in Sweetwater
What homes there are in Sweetwater, 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
Sweetwater
Nolan County
Texas
United States
Kind of home: Sweetwater and its comparisons
Measure
Sweetwater
Nolan County
Texas
United States
Detached house
74%
78%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
11%
8%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
5%
7%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Sweetwater, but it weighs less than in Nolan County: 74% against 78%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Sweetwater
Nolan County
Texas
United States
Year built: Sweetwater and its comparisons
Measure
Sweetwater
Nolan County
Texas
United States
Before 1960
46%
40%
12%
26%
1960–1979
35%
36%
21%
24%
1980–1999
16%
18%
28%
25%
2000–2009
Unreliable estimate
3%
18%
14%
2010 or later
Unreliable estimate
4%
21%
11%
The typical year built in Sweetwater is 1963, about the same as in Nolan County (1965).
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K64%
$100K–$200K24%
$200K–$300K8%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sweetwater and its comparisons
Measure
Sweetwater
Under $100K
64%
$100K–$200K
24%
$200K–$300K
8%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50021%
$500–$99943%
$1,000–$1,49931%
HUD fair market rent, 2 bedrooms: $1,087
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Sweetwater and its comparisons
Measure
Sweetwater
Under $500
21%
$500–$999
43%
$1,000–$1,499
31%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
By rent, most homes in Sweetwater cost less than HUD's 2-bedroom fair market rent ($1,087): about 69%.
With a mortgage
$1,266 a month
Nolan County: $1,424 a month
Without a mortgage
$514 a month
Nolan County: $545 a month
Owners with a mortgage
27%
Nolan County: 29%
In Sweetwater, 27% of owners have a mortgage, and their typical cost is $1,266 a month, against $1,424 in Nolan County. Without one it drops to $514.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
SweetwaterNo clear change
Nolan County+28%
Texas+65%
United States+53%
Typical rent
Sweetwater+31%
Nolan County+31%
Texas+34%
United States+33%
Typical household income
SweetwaterNo clear change
Nolan County+11%
Texas+27%
United States+29%
Change since 2015–2019: Sweetwater and its comparisons
Measure
Sweetwater
Nolan County
Texas
United States
Typical home value
No clear change
+28%
+65%
+53%
Typical rent
+31%
+31%
+34%
+33%
Typical household income
No clear change
+11%
+27%
+29%
The typical home value in Sweetwater stayed about the same since 2015–2019: the Census sees no clear change.
Rents in Sweetwater rose at about the same pace as in Nolan County: 31% since 2015–2019, against 31%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sweetwater and its comparisons
Measure
Sweetwater
Nolan 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
4.8%
4.8%
3.4%
People per household
2.39
2.39
2.69
2.53
Drive alone
81%
81%
71%
69%
Carpool
11%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
4%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Nolan County, a household in Sweetwater has 2.39 people on average.
To get to work, 81% of workers in Sweetwater drive alone; in Nolan County, 81%.
Do the math
What would you pay each month for a home in Sweetwater?
A typical home is within reach of the typical income
We start with a typical home in Sweetwater, worth $80,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 19% of the typical household income in Sweetwater, which is $44,892 a year.
The calculator's FHA and conventional loan limits are those of all of Nolan 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 Sweetwater. 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 $2,828 (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
$705
at 7.18% · 30 years
Loan amount
$79,337
Total interest
$114,147
Paid off in
November 2056
Includes $1,365 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,047 a month
Your payment · 19%
Tight
$1,047 to $1,347 a month
Hard
more than $1,347 a month
Compared with the typical household income in Sweetwater ($44,892 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$537
Property tax
$98
Home insurance
$34
FHA mortgage insurance (MIP)
$36
You need at least $2,828 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 $705; principal and interest $537.
The city and its county
Sweetwater and Nolan County
Sweetwater is in Nolan 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).
Sweetwater
Map of Nolan County, Texas, with Sweetwater marked. Around it, the neighboring counties.
Sweetwater
Nolan County
Sweetwater's own numbers
Typical home value
$80,800
Typical monthly rent
$907
Typical yearly household income
$44,892
Households that own their home
60%
Effective property tax rate
1.45%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Nolan County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,087
Price change over 5 years (FHFA)
+49%
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 Nolan County.
A typical home in Sweetwater is worth $80,800: 16% below the county and 72% below Texas. With the typical household income in Sweetwater ($44,892 a year), a typical home costs 1.8 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.
Sweetwater1.8 years
Nolan1.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Nolan County
According to FHFA’s house price index, home prices in Nolan County rose 76% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Nolan County.
Yearly change in FHFA’s price index in Nolan County, 2016 to 2025
2016: +9.4% +9.4% 2016
2017: −5.9% −5.9% 2017
2018: +3.7% +3.7% 2018
2019: +13.4% +13.4% 2019
2020: −2.9% −2.9% 2020
2021: +21.1% +21.1% 2021
2022: +2.9% +2.9% 2022
2023: +12.4% +12.4% 2023
2024: −1.6% −1.6% 2024
2025: +8.5% +8.5% 2025
Change in FHFA’s price index in Nolan County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+8.5%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+76%
+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
Sweetwater next to Nolan 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
Sweetwater$80,800
Nolan$96,300
Texas$283,800
United States$332,700
Typical monthly rent
Sweetwater$907
Nolan$913
Texas$1,403
United States$1,413
Typical yearly household income
Sweetwater$44,892
Nolan$50,747
Texas$78,476
United States$80,734
See the full table
Sweetwater next to Nolan County and Texas
Measure
Sweetwater
Nolan County
Texas
U.S.
Typical home value
$80,800 ▼16% below the county
$96,300
$283,800
$332,700
Typical monthly rent
$907
$913
$1,403
$1,413
Typical yearly household income
$44,892 ▼12% below the county
$50,747
$78,476
$80,734
Households that own their home
60% ▼8 points below the county
68%
63%
65%
Typical yearly property tax
$1,170 ▼21% below the county
$1,475
$4,232
$3,119
Effective property tax rate
1.45% ▼0.08 points below the county
1.53%
1.49%
0.94%
Renters with high rent for their income
45%
45%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Nolan 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 Sweetwater
For a typical $80,800 home in Sweetwater, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Sweetwater's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$704a month
Least cash to close
Down payment
$2,828
Cash to close
$5,252
Rate
7.18%
Mortgage insurance
FHA MIP · $36
Conventional, 5% down$690a month
Down payment
$4,040
Cash to close
$6,464
Rate
7.18%
Mortgage insurance
PMI · $38
Conventional, 20% down, no PMI$569a month
Down payment
$16,160
Cash to close
$18,584
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$644a month
Down payment
$12,120
Cash to close
$14,544
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sweetwater
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$704
$2,828
$79,337
7.18%
FHA MIP · $36
$5,252
580
Conventional, 5% down
$690
$4,040
$76,760
7.18%
PMI · $38
$6,464
620*
Conventional, 20% down, no PMI
$569
$16,160
$64,640
7.18%
None
$18,584
620*
ITIN, 15% down (example)
$644
$12,120
$68,680
8.18%
None
$14,544
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 Sweetwater is $907 a month: about the same as the county. In Sweetwater, 45% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Nolan County, by unit size. To pay the 2-bedroom one ($1,087 a month) without spending more than 30% of your income, you would need to earn $20.90 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 Nolan County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$826
$15.88
$33,040
1 bedroom
$837
$16.10
$33,480
2 bedrooms
$1,087
$20.90
$43,480
3 bedrooms
$1,505
$28.94
$60,200
4 bedrooms
$1,566
$30.12
$62,640
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 Sweetwater
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sweetwater is in ZIP code 79556.
For 2 bedrooms it is $1,090: $3 more than the fair market rent for Nolan County ($1,087).
Fair market rent by ZIP code and size in Sweetwater, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
79556
$830
$840
$1,090
$1,500
$1,570
ZIP code2 bd3 bd
79556 $1,090$1,500
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sweetwater 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 Sweetwater. These are the largest.
Northwest Apts912 W 8th St, Sweetwater 79556182 low-income homes · Run by Housing Authority of Sweetwater · Average payment: $308 a month(325) 235-1764
Sun Village I1217 Coral Dr, Sweetwater 79556100 low-income homes · For older adults(325) 235-1764
Mustang Heights Apts815 E Arizona Ave, Sweetwater 7955680 low-income homes · In service since 2012
Sun Village II1217 Coral Dr, Sweetwater 7955634 low-income homes · For families(325) 235-1764
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 Nolan 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 Sweetwater or Nolan County. The ones below are statewide in Texas: they work in Sweetwater 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 Sweetwater or Nolan 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 Sweetwater and all of Nolan 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 Sweetwater?
The typical home value in Sweetwater is $80,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Nolan County it is $96,300.
How much does it cost to rent in Sweetwater?
Typical rent in Sweetwater is $907 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Nolan County is $1,087.
What is the FHA loan limit in Sweetwater?
Sweetwater uses the FHA limit for all of Nolan 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 Sweetwater?
The typical homeowner in Sweetwater pays $1,170 a year, according to the U.S. Census Bureau. That is 1.45% of the home’s value; in Nolan County, the rate is 1.53%.
Where can I find free help to buy or rent in Sweetwater?
We found no HUD-approved counseling agencies with an office in Nolan County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
