In Texarkana, a typical home is worth $171,500 and typical rent is $1,010 a month. Compared with all of Bowie County, typical household income is 15% lower and the share of households that own their home is 12 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $185,433 to $205,092.
Typical rent
$1,406a month
= about the same as 12 months ago
Typical rent from Zillow, June 2025 to September 2026: from $1,360 to $1,406.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Texarkana is in Bowie 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 Bowie County. See the county
What this place has that others do not, from public data, most unusual first.
1
According to Zillow, in the 12 months to September 2026 the typical home value in Texarkana rose 3.2%; in Texas, it fell 1.4%.
2
Nearby, in Marshall, the typical home value is $141,400: 18% less than in Texarkana ($171,500).
3
52% of households in Texarkana own their home, against 63% in Bowie County.
4
The typical household income in Texarkana is $50,573,15% less than in Bowie County as a whole ($59,803).
Sources: Zillow (September 2026 data); U.S. Census Bureau (Average 2020–2024). Zillow data
The homes here
Housing in Texarkana
What homes there are in Texarkana, 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
Texarkana
Bowie County
Texas
United States
Kind of home: Texarkana and its comparisons
Measure
Texarkana
Bowie County
Texas
United States
Detached house
65%
67%
64%
61%
Attached house
2%
1%
3%
6%
Building of 2 to 4
12%
8%
5%
8%
Apartments (5 or more)
20%
11%
21%
19%
Mobile home
Unreliable estimate
13%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Bowie County, most homes in Texarkana are detached houses (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Texarkana
Bowie County
Texas
United States
Year built: Texarkana and its comparisons
Measure
Texarkana
Bowie County
Texas
United States
Before 1960
22%
16%
12%
26%
1960–1979
31%
27%
21%
24%
1980–1999
29%
34%
28%
25%
2000–2009
10%
11%
18%
14%
2010 or later
9%
13%
21%
11%
In Texarkana, half of the homes were built before 1979; in Bowie County, before 1984.
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 $100K30%
$100K–$200K31%
$200K–$300K20%
$300K–$500K14%
$500K–$750K3%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Texarkana and its comparisons
Measure
Texarkana
Under $100K
30%
$100K–$200K
31%
$200K–$300K
20%
$300K–$500K
14%
$500K–$750K
3%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
The FHA loan limit for Bowie County is $541,287, and about 94% of owner-occupied homes in Texarkana are worth less than that.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50012%
$500–$99937%
$1,000–$1,49936%
HUD fair market rent, 2 bedrooms: $1,118
$1,500–$1,9998%
$2,000–$2,4996%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Texarkana and its comparisons
Measure
Texarkana
Under $500
12%
$500–$999
37%
$1,000–$1,499
36%
$1,500–$1,999
8%
$2,000–$2,499
6%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
About 58% of rented homes in Texarkana cost less than HUD's 2-bedroom fair market rent for Bowie County ($1,118); the rest cost more.
With a mortgage
$1,608 a month
Bowie County: $1,504 a month
Without a mortgage
$490 a month
Bowie County: $519 a month
Owners with a mortgage
50%
Bowie County: 48%
Owning costs more in Texarkana: with a mortgage, the typical cost is $1,608 a month; in Bowie County, $1,504. Without one, $490.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Texarkana+31%
Bowie County+45%
Texas+65%
United States+53%
Typical rent
Texarkana+29%
Bowie County+30%
Texas+34%
United States+33%
Typical household income
TexarkanaNo clear change
Bowie County+19%
Texas+27%
United States+29%
Change since 2015–2019: Texarkana and its comparisons
Measure
Texarkana
Bowie County
Texas
United States
Typical home value
+31%
+45%
+65%
+53%
Typical rent
+29%
+30%
+34%
+33%
Typical household income
No clear change
+19%
+27%
+29%
Homes in Texarkana gained value more slowly than in Bowie County: 31% since 2015–2019, against 45%.
The typical rent in Texarkana rose 29% since 2015–2019, about the same as in Bowie County (30%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Texarkana and its comparisons
Measure
Texarkana
Bowie County
Texas
United States
Rental vacancy
4.5%
3.6%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.1%
0.9%
More than one person per room
4.8%
3.1%
4.8%
3.4%
People per household
2.33
2.46
2.69
2.53
Drive alone
82%
83%
71%
69%
Carpool
8%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
8%
7%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Open rentals in Texarkana look like those in Bowie County: the rental vacancy rate is 4.5%.
More than one person per room: that is how 4.8% of households in Texarkana live, more than in Bowie County (3.1%).
Fewer people live in each home here: 2.33 on average, against 2.46 in Bowie County.
In Texarkana, 82% of workers drive alone to work; in Bowie County, 83%.
Do the math
What would you pay each month for a home in Texarkana?
A typical home is tight for the typical income
We start with a typical home in Texarkana, worth $171,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 35% of the typical household income in Texarkana, which is $50,573 a year. For that payment to be 28% of income, a household would need to earn about $63,717 a year.
The calculator's FHA and conventional loan limits are those of all of Bowie 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 Texarkana. 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 $6,003 (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
$1,487
at 7.18% · 30 years
Loan amount
$168,393
Total interest
$242,278
Paid off in
November 2056
Includes $2,896 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,180 a month
Tight
$1,180 to $1,517 a month
Your payment · 35%
Hard
more than $1,517 a month
Compared with the typical household income in Texarkana ($50,573 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,141
Property tax
$199
Home insurance
$72
FHA mortgage insurance (MIP)
$76
You need at least $6,003 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 $1,487; principal and interest $1,141.
The city and its county
Texarkana and Bowie County
Texarkana is in Bowie 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).
Texarkana
Map of Bowie County, Texas, with Texarkana marked. Around it, the neighboring counties.
Texarkana
Bowie County
Other cities with a page
Texarkana's own numbers
Typical home value
$171,500
Typical monthly rent
$1,010
Typical yearly household income
$50,573
Households that own their home
52%
Effective property tax rate
1.39%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Bowie County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,118
Price change over 5 years (FHFA)
+46%
Homes in a high flood-risk zone
2.7%
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 Bowie County.
A typical home in Texarkana is worth $171,500: about the same as the county and 40% below Texas. With the typical household income in Texarkana ($50,573 a year), a typical home costs 3.4 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.
Texarkana3.4 years
Bowie2.9 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Bowie County
According to FHFA’s house price index, home prices in Bowie County rose 72% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Bowie County.
Yearly change in FHFA’s price index in Bowie County, 2016 to 2025
2016: +3.5% +3.5% 2016
2017: +1.2% +1.2% 2017
2018: +2.8% +2.8% 2018
2019: +3.5% +3.5% 2019
2020: +5.7% +5.7% 2020
2021: +10.0% +10.0% 2021
2022: +17.6% +17.6% 2022
2023: +7.6% +7.6% 2023
2024: +3.9% +3.9% 2024
2025: +0.9% +0.9% 2025
Change in FHFA’s price index in Bowie County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.9%
+0.8%
+2.9%
5 years (2020–2025)
+46%
+44%
+47%
10 years (2015–2025)
+72%
+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
Texarkana next to Bowie 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
Texarkana$171,500
Bowie$173,000
Texas$283,800
United States$332,700
Typical monthly rent
Texarkana$1,010
Bowie$988
Texas$1,403
United States$1,413
Typical yearly household income
Texarkana$50,573
Bowie$59,803
Texas$78,476
United States$80,734
See the full table
Texarkana next to Bowie County and Texas
Measure
Texarkana
Bowie County
Texas
U.S.
Typical home value
$171,500
$173,000
$283,800
$332,700
Typical monthly rent
$1,010 ▲2% above the county
$988
$1,403
$1,413
Typical yearly household income
$50,573 ▼15% below the county
$59,803
$78,476
$80,734
Households that own their home
52% ▼12 points below the county
63%
63%
65%
Typical yearly property tax
$2,379 ▲17% above the county
$2,037
$4,232
$3,119
Effective property tax rate
1.39% ▲0.21 points above the county
1.18%
1.49%
0.94%
Renters with high rent for their income
57% ▲6 points above the county
51%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Bowie 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 Texarkana
For a typical $171,500 home in Texarkana, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Texarkana's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,487a month
Least cash to close
Down payment
$6,003
Cash to close
$11,148
Rate
7.18%
Mortgage insurance
FHA MIP · $76
Conventional, 5% down$1,455a month
Down payment
$8,575
Cash to close
$13,720
Rate
7.18%
Mortgage insurance
PMI · $81
Conventional, 20% down, no PMI$1,200a month
Down payment
$34,300
Cash to close
$39,445
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,358a month
Down payment
$25,725
Cash to close
$30,870
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Texarkana
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,487
$6,003
$168,394
7.18%
FHA MIP · $76
$11,148
580
Conventional, 5% down
$1,455
$8,575
$162,925
7.18%
PMI · $81
$13,720
620*
Conventional, 20% down, no PMI
$1,200
$34,300
$137,200
7.18%
None
$39,445
620*
ITIN, 15% down (example)
$1,358
$25,725
$145,775
8.18%
None
$30,870
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 Texarkana is $1,010 a month: 2% above the county. In Texarkana, 57% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Bowie County, by unit size. To pay the 2-bedroom one ($1,118 a month) without spending more than 30% of your income, you would need to earn $21.50 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 Bowie County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$839
$16.13
$33,560
1 bedroom
$874
$16.81
$34,960
2 bedrooms
$1,118
$21.50
$44,720
3 bedrooms
$1,403
$26.98
$56,120
4 bedrooms
$1,683
$32.37
$67,320
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 Texarkana
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Texarkana has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,100 in 75501 to $1,340 in 75503.
1 of the 2 is above the fair market rent for Bowie County ($1,118).
Fair market rent by ZIP code and size in Texarkana, fiscal year 2027.
75501
$830
$860
$1,100
$1,380
$1,660
75503
$1,010
$1,050
$1,340
$1,680
$2,020
ZIP code2 bd3 bd
75501 $1,100$1,380
75503 $1,340$1,680
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Texarkana 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 14 buildings with rents for lower incomes in Texarkana. These are the largest.
Sunset Apartments1601 Allen Ln, Texarkana 75501150 low-income homes · For families(903) 793-0440
Robison Terrace1010 Dan Haskins Way, Texarkana 75501130 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
Pecan Ridge2210 W 15th St, Texarkana 75501124 low-income homes · In service since 2011
Rosehill Ridge1201 Stuckey St, Texarkana 75501122 low-income homes · In service since 2013
Lakeridge Townhomes3708 S Lake Dr, Texarkana 75501112 low-income homes · In service since 2004
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 Bowie 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 Texarkana or Bowie County. The ones below are statewide in Texas: they work in Texarkana 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 Texarkana or Bowie 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 Texarkana and all of Bowie 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 Texarkana?
The typical home value in Texarkana is $171,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bowie County it is $173,000.
How much does it cost to rent in Texarkana?
Typical rent in Texarkana is $1,010 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bowie County is $1,118.
What is the FHA loan limit in Texarkana?
Texarkana uses the FHA limit for all of Bowie 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 Texarkana?
The typical homeowner in Texarkana pays $2,379 a year, according to the U.S. Census Bureau. That is 1.39% of the home’s value; in Bowie County, the rate is 1.18%.
Where can I find free help to buy or rent in Texarkana?
We found no HUD-approved counseling agencies with an office in Bowie County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
