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City · 17,136 residents · Williamson County, Texas

Taylor , Texas

In Taylor, a typical home is worth $285,800 and typical rent is $1,074 a month. Compared with all of Williamson County, typical rent is 40% lower, the typical home value is 36% lower, and the share of households that own their home is 8 points higher.

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  • Typical home value

    $285,800

    36% below the county

    About the same as Texas

    • Taylor
    • Williamson
    • Texas

  • Typical rent

    $1,074a month

    40% below the county

    23% below Texas

    • Taylor
    • Williamson
    • Texas

  • Typical household income

    $75,508a year

    32% below the county

    4% below Texas

    • Taylor
    • Williamson
    • Texas

  • Households that own their home

    75%

    8 points above the county

    12 points above Texas

    • Taylor
    • Williamson
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$276,586
3% less than 12 months ago
Typical rent
$1,788 a month
3.7% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Taylor 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 Taylor apart

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

  1. The typical rent in Taylor is $1,074 a month, 40% less than in Williamson County as a whole ($1,796).

  2. The typical home in Taylor is worth $285,800, 36% less than in Williamson County as a whole ($447,000).

  3. The typical household income in Taylor is $75,508, 32% less than in Williamson County as a whole ($111,340).

  4. 75% of households in Taylor own their home, against 66% in Williamson County.

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

The homes here

Housing in Taylor

What homes there are in Taylor, 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 houses, standing on their own, make up 85% of homes here, against 73% in Williamson County.

Year built

The typical home in Taylor was built in 1979, 27 years before the typical one in Williamson County.

There are fewer big homes in Taylor than in Williamson County: 64% have 3 bedrooms or more, against 72%.

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

At least 95% of owner-occupied homes in Taylor are worth less than $500,000, below the FHA loan limit for Williamson County ($571,550).

Monthly rent with utilities

With a mortgage

$1,788 a month

Williamson County: $2,453 a month

Without a mortgage

$739 a month

Williamson County: $938 a month

Owners with a mortgage

59%

Williamson County: 70%

Owning costs less in Taylor: with a mortgage, the typical cost is $1,788 a month; in Williamson County, $2,453. Without one, $739.

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

From 2015–2019 to 2020–2024, the typical home value in Taylor rose 80%; in Williamson County, it rose 70%.

Rent in Taylor moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureTaylorWilliamson 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 3.1%2.8%4.8%3.4%
People per household 2.532.652.692.53
Drive alone 75%64%71%69%
Carpool 7%8%10%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 14%25%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 3.1% of households in Taylor live, near the figure in Williamson County (2.8%).

Much as in Williamson County, a household in Taylor has 2.53 people on average.

To get to work, 75% of workers in Taylor drive alone; 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 Taylor?

A typical home costs more than the typical income allows

We start with a typical home in Taylor, worth $285,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Taylor, which is $75,508 a year. For that payment to be 28% of income, a household would need to earn about $107,815 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 Taylor. 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 $10,003 (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

$2,516

at 7.18% · 30 years

Loan amount
$280,623
Total interest
$403,751
Paid off in
November 2056

Includes $4,826 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,762 a month

  • Tight

    $1,762 to $2,265 a month

  • Hard

    more than $2,265 a month

    Your payment · 40%

Compared with the typical household income in Taylor ($75,508 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,516
Principal & interest$1,901
Property tax$369
Home insurance$119
FHA mortgage insurance (MIP)$126

You need at least $10,003 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

Taylor and Williamson County

Taylor 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).

Taylor's own numbers

Typical home value
$285,800
Typical monthly rent
$1,074
Typical yearly household income
$75,508
Households that own their home
75%
Effective property tax rate
1.55%

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 Taylor

A typical home in Taylor is worth $285,800: 36% below the county and about the same as Texas. With the typical household income in Taylor ($75,508 a year), a typical home costs 3.8 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.

  • Taylor 3.8 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

Taylor 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
  • Taylor $285,800
  • Williamson $447,000
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Taylor $1,074
  • Williamson $1,796
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Taylor $75,508
  • Williamson $111,340
  • Texas $78,476
  • United States $80,734
See the full table
Taylor next to Williamson County and Texas
Measure Taylor Williamson County Texas U.S.
Typical home value $285,800 $447,000 $283,800 $332,700
Typical monthly rent $1,074 $1,796 $1,403 $1,413
Typical yearly household income $75,508 $111,340 $78,476 $80,734
Households that own their home 75% 66% 63% 65%
Typical yearly property tax $4,438 $7,205 $4,232 $3,119
Effective property tax rate 1.55% 1.61% 1.49% 0.94%
Renters with high rent for their income 57% 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 Taylor

For a typical $285,800 home in Taylor, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Taylor's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,516a month

    Least cash to close
    Down payment
    $10,003
    Cash to close
    $18,577
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $126

  • Conventional, 5% down $2,463a month

    Down payment
    $14,290
    Cash to close
    $22,864
    Rate
    7.18%
    Mortgage insurance
    PMI · $136

  • Conventional, 20% down, no PMI $2,037a month

    Down payment
    $57,160
    Cash to close
    $65,734
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,301a month

    Down payment
    $42,870
    Cash to close
    $51,444
    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 Taylor and for Williamson County.

Property tax

Effective rate in Taylor

1.55%of the home’s value each year

$4,438 a year for the typical owner in Taylor.

  • Taylor 1.55%
  • 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 Taylor

Typical rent in Taylor is $1,074 a month: 40% below the county. In Taylor, 57% 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 Taylor

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Taylor is in ZIP code 76574.

For 2 bedrooms it is $1,670: $147 less than the fair market rent for Williamson County ($1,817).

  • 76574 $1,670$2,120

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

Low-income apartments

Low-income apartments in Taylor

HUD lists 5 buildings with rents for lower incomes in Taylor. These are the largest.

  • Stepping Stone & Taylor Square Apts 1005 Cottonbowl Dr, Taylor 76574 96 low-income homes
  • Main Street Commons Senior 3700 N Main St, Taylor 76574 75 low-income homes · In service since 2013
  • Burnett Place Apts 405 Sloan St, Taylor 76574 72 homes, 54 low-income · 1 bd: 12 · 2 bd: 36 · 3 bd: 24 · In service since 1999
  • Stepping Stone Apts 2501 Davis St, Taylor 76574 44 low-income homes · In service since 1994
  • Gardens of Taylor 319 Sloan St, Taylor 76574 36 low-income homes · 1 bd: 2 · 2 bd: 34 · In service since 2007 · For older adults

See all 53 buildings in Williamson County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Taylor

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 man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Taylor

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

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

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 26 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 · 28 miles away · Spanish

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

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 31 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    512-472-8788x122

All counseling agencies in Texas

Help in Spanish near Taylor

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 Taylor

HUD’s record names them for Taylor or Williamson County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Taylor Housing Authority Public housing and Section 8 vouchers (512) 352-3231

3 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 Taylor, 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 Taylor.

All guides
Three women of one family talk as they cook vegetables in the kitchen.

Questions

Housing questions about Taylor

Short answers with the numbers for Taylor 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 Taylor?

The typical home value in Taylor is $285,800, 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 Taylor?

Typical rent in Taylor is $1,074 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 Taylor?

Taylor 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 Taylor?

The typical homeowner in Taylor pays $4,438 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Williamson County, the rate is 1.61%.

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

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).