In Terrell, a typical home is worth $218,500 and typical rent is $1,232 a month. Compared with all of Kaufman County, the typical home value is 32% lower, typical household income is 26% lower, and the share of households that own their home is 19 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $248,571 to $278,114.
Typical rent
$1,598a month
▲ 3.9% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,531 to $1,598.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Terrell is in Kaufman County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Kaufman County. See the county
What this place has that others do not, from public data, most unusual first.
1
59% of households in Terrell own their home, against 78% in Kaufman County.
2
The typical home in Terrell is worth $218,500,32% less than in Kaufman County as a whole ($320,900).
3
The typical household income in Terrell is $65,842,26% less than in Kaufman County as a whole ($89,485).
4
The typical rent in Terrell is $1,232 a month, 21% less than in Kaufman County as a whole ($1,554).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Terrell
What homes there are in Terrell, 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
Terrell
Kaufman County
Texas
United States
Kind of home: Terrell and its comparisons
Measure
Terrell
Kaufman County
Texas
United States
Detached house
70%
79%
64%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
12%
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
6%
21%
19%
Mobile home
Unreliable estimate
11%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Terrell, but it weighs less than in Kaufman County: 70% against 79%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Terrell
Kaufman County
Texas
United States
Year built: Terrell and its comparisons
Measure
Terrell
Kaufman County
Texas
United States
Before 1960
23%
6%
12%
26%
1960–1979
21%
11%
21%
24%
1980–1999
21%
22%
28%
25%
2000–2009
26%
24%
18%
14%
2010 or later
9%
38%
21%
11%
Homes in Terrell are older: the typical year built is 1984; in Kaufman County, 2005.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K35%
$200K–$300K35%
$300K–$500K17%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Terrell and its comparisons
Measure
Terrell
Under $100K
Unreliable estimate
$100K–$200K
35%
$200K–$300K
35%
$300K–$500K
17%
$500K–$750K
Unreliable
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99920%
$1,000–$1,49948%
$1,500–$1,99922%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Terrell and its comparisons
Measure
Terrell
Under $500
Unreliable estimate
$500–$999
20%
$1,000–$1,499
48%
$1,500–$1,999
22%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,685 a month
Kaufman County: $2,257 a month
Without a mortgage
$832 a month
Kaufman County: $791 a month
Owners with a mortgage
61%
Kaufman County: 64%
The typical cost for an owner with a mortgage in Terrell is $1,685 a month, less than in Kaufman County ($2,257); without one, $832.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Terrell+84%
Kaufman County+80%
Texas+65%
United States+53%
Typical rent
Terrell+25%
Kaufman County+49%
Texas+34%
United States+33%
Typical household income
Terrell+38%
Kaufman County+28%
Texas+27%
United States+29%
Change since 2015–2019: Terrell and its comparisons
Measure
Terrell
Kaufman County
Texas
United States
Typical home value
+84%
+80%
+65%
+53%
Typical rent
+25%
+49%
+34%
+33%
Typical household income
+38%
+28%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Terrell rose 84%; in Kaufman County, it rose 80%.
The typical rent in Terrell rose 25% over the same time; in Kaufman County, it rose 49%.
To compare: typical income in Terrell rose 38%; the home, +84%; the rent, +25%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Terrell and its comparisons
Measure
Terrell
Kaufman County
Texas
United States
Rental vacancy
Unreliable estimate
9.2%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.9%
1.1%
0.9%
More than one person per room
7.6%
6.1%
4.8%
3.4%
People per household
3.38
3.36
2.69
2.53
Drive alone
77%
76%
71%
69%
Carpool
15%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
5%
13%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
More households are short on space in Terrell: 7.6% have more than one person per room; in Kaufman County, 6.1%.
A household in Terrell has 3.38 people on average, about the same as in Kaufman County (3.36).
More people carpool to work in Terrell than in Kaufman County: 15% against 9%.
Do the math
What would you pay each month for a home in Terrell?
A typical home is tight for the typical income
We start with a typical home in Terrell, worth $218,500, 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 Terrell, which is $65,842 a year. For that payment to be 28% of income, a household would need to earn about $83,910 a year.
The calculator's FHA and conventional loan limits are those of all of Kaufman 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 Terrell. 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 $7,648 (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
$1,958
at 7.18% · 30 years
Loan amount
$214,542
Total interest
$308,675
Paid off in
November 2056
Includes $3,690 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,536 a month
Tight
$1,536 to $1,975 a month
Your payment · 36%
Hard
more than $1,975 a month
Compared with the typical household income in Terrell ($65,842 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,453
Property tax
$317
Home insurance
$91
FHA mortgage insurance (MIP)
$97
You need at least $7,648 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 $1,958; principal and interest $1,453.
The city and its county
Terrell and Kaufman County
Terrell is in Kaufman 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).
Terrell
Map of Kaufman County, Texas, with Terrell marked. Around it, the neighboring counties.
Terrell
Kaufman County
Other cities with a page
Terrell's own numbers
Typical home value
$218,500
Typical monthly rent
$1,232
Typical yearly household income
$65,842
Households that own their home
59%
Effective property tax rate
1.74%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kaufman County
FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
1.2%
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 Kaufman County.
A typical home in Terrell is worth $218,500: 32% below the county and 23% below Texas. With the typical household income in Terrell ($65,842 a year), a typical home costs 3.3 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.
Terrell3.3 years
Kaufman3.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kaufman County
According to FHFA’s house price index, home prices in Kaufman County rose 113% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kaufman County.
Yearly change in FHFA’s price index in Kaufman County, 2016 to 2025
2016: +9.0% +9.0% 2016
2017: +11.9% +11.9% 2017
2018: +8.2% +8.2% 2018
2019: +4.5% +4.5% 2019
2020: +3.6% +3.6% 2020
2021: +14.7% +14.7% 2021
2022: +22.9% +22.9% 2022
2023: +3.1% +3.1% 2023
2024: +1.5% +1.5% 2024
2025: +1.2% +1.2% 2025
Change in FHFA’s price index in Kaufman County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+1.2%
+0.8%
+2.9%
5 years (2020–2025)
+49%
+44%
+47%
10 years (2015–2025)
+113%
+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
Terrell next to Kaufman 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
Terrell$218,500
Kaufman$320,900
Texas$283,800
United States$332,700
Typical monthly rent
Terrell$1,232
Kaufman$1,554
Texas$1,403
United States$1,413
Typical yearly household income
Terrell$65,842
Kaufman$89,485
Texas$78,476
United States$80,734
See the full table
Terrell next to Kaufman County and Texas
Measure
Terrell
Kaufman County
Texas
U.S.
Typical home value
$218,500 ▼32% below the county
$320,900
$283,800
$332,700
Typical monthly rent
$1,232 ▼21% below the county
$1,554
$1,403
$1,413
Typical yearly household income
$65,842 ▼26% below the county
$89,485
$78,476
$80,734
Households that own their home
59% ▼19 points below the county
78%
63%
65%
Typical yearly property tax
$3,803 ▼29% below the county
$5,377
$4,232
$3,119
Effective property tax rate
1.74% ▲0.06 points above the county
1.68%
1.49%
0.94%
Renters with high rent for their income
62% ▲4 points above the county
58%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kaufman 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 Terrell
For a typical $218,500 home in Terrell, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Terrell's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,958a month
Least cash to close
Down payment
$7,648
Cash to close
$14,203
Rate
7.18%
Mortgage insurance
FHA MIP · $97
Conventional, 5% down$1,918a month
Down payment
$10,925
Cash to close
$17,480
Rate
7.18%
Mortgage insurance
PMI · $104
Conventional, 20% down, no PMI$1,592a month
Down payment
$43,700
Cash to close
$50,255
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,794a month
Down payment
$32,775
Cash to close
$39,330
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Terrell
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,958
$7,648
$214,542
7.18%
FHA MIP · $97
$14,203
580
Conventional, 5% down
$1,918
$10,925
$207,575
7.18%
PMI · $104
$17,480
620*
Conventional, 20% down, no PMI
$1,592
$43,700
$174,800
7.18%
None
$50,255
620*
ITIN, 15% down (example)
$1,794
$32,775
$185,725
8.18%
None
$39,330
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 Terrell is $1,232 a month: 21% below the county. In Terrell, 62% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kaufman County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 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 Kaufman County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,491
$28.67
$59,640
1 bedroom
$1,536
$29.54
$61,440
2 bedrooms
$1,807
$34.75
$72,280
3 bedrooms
$2,275
$43.75
$91,000
4 bedrooms
$2,892
$55.62
$115,680
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 Terrell
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Terrell is in ZIP code 75160.
For 2 bedrooms it is $1,390: $417 less than the fair market rent for Kaufman County ($1,807).
Fair market rent by ZIP code and size in Terrell, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75160
$1,150
$1,180
$1,390
$1,750
$2,220
ZIP code2 bd3 bd
75160 $1,390$1,750
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Terrell 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)
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 Kaufman 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 Terrell or Kaufman County. The ones below are statewide in Texas: they work in Terrell 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 Terrell or Kaufman 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 Terrell and all of Kaufman 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 Terrell?
The typical home value in Terrell is $218,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kaufman County it is $320,900.
How much does it cost to rent in Terrell?
Typical rent in Terrell is $1,232 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kaufman County is $1,807.
What is the FHA loan limit in Terrell?
Terrell uses the FHA limit for all of Kaufman County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.
How much property tax do owners pay in Terrell?
The typical homeowner in Terrell pays $3,803 a year, according to the U.S. Census Bureau. That is 1.74% of the home’s value; in Kaufman County, the rate is 1.68%.
Where can I find free help to buy or rent in Terrell?
We found no HUD-approved counseling agencies with an office in Kaufman County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
