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City · 121,002 residents · Montgomery County, Texas

The Woodlands , Texas

In The Woodlands, a typical home is worth $511,700 and typical rent is $1,822 a month. Compared with all of Montgomery County, the typical home value is 48% higher and typical household income is 44% higher.

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  • Typical home value

    $511,700

    48% above the county

    80% above Texas

    • The Woodlands
    • Montgomery
    • Texas

  • Typical rent

    $1,822a month

    19% above the county

    30% above Texas

    • The Woodlands
    • Montgomery
    • Texas

  • Typical household income

    $140,701a year

    44% above the county

    79% above Texas

    • The Woodlands
    • Montgomery
    • Texas

  • Households that own their home

    73%

    1 points above the county

    10 points above Texas

    • The Woodlands
    • Montgomery
    • Texas

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

The Woodlands is in Montgomery 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 Montgomery County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets The Woodlands apart

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

  1. Nearby, in Willis, the typical home value is $124,300: 76% less than in The Woodlands ($511,700).

  2. The typical home in The Woodlands is worth $511,700, 48% more than in Montgomery County as a whole ($346,200).

  3. The typical household income in The Woodlands is $140,701, 44% more than in Montgomery County as a whole ($97,701).

  4. Nearby, in Tomball, the typical rent is $1,226: 33% less than in The Woodlands ($1,822).

  5. The typical rent in The Woodlands is $1,822 a month, 19% more than in Montgomery County as a whole ($1,532).

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

The homes here

Housing in The Woodlands

What homes there are in The Woodlands, 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 75% of homes here, against 68% in Montgomery County.

Year built

Homes in The Woodlands are older: the typical year built is 2000; in Montgomery County, 2004.

Homes in The Woodlands are bigger: 77% have 3 bedrooms or more; in Montgomery County, 74%.

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

The FHA limit for Montgomery County is $541,287: about 53% of owner-occupied homes in The Woodlands are worth less, and the rest more.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for Montgomery County is $1,497, and only about 32% of rents in The Woodlands cost less.

With a mortgage

$2,970 a month

Montgomery County: $2,343 a month

Without a mortgage

$1,103 a month

Montgomery County: $781 a month

Owners with a mortgage

62%

Montgomery County: 62%

In The Woodlands, 62% of owners have a mortgage, and their typical cost is $2,970 a month, against $2,343 in Montgomery County. Without one it drops to $1,103.

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

Homes in The Woodlands gained value more slowly than in Montgomery County: 37% since 2015–2019, against 47%.

The typical rent in The Woodlands rose 16% over the same time; in Montgomery County, it rose 27%.

While home values in The Woodlands changed +37% and rent +16%, the typical household income rose 15%.

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

MeasureThe WoodlandsMontgomery CountyTexasUnited States
Rental vacancy 10.3%7.7%7.7%5.5%
Homeowner vacancy Unreliable estimate0.9%1.1%0.9%
More than one person per room 1.2%3.8%4.8%3.4%
People per household 2.732.752.692.53
Drive alone 70%72%71%69%
Carpool 5%8%10%9%
Public transit 1%1%1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 22%16%14%15%
Other means 1%2%2%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

In The Woodlands, the rental vacancy rate is 10.3%; in Montgomery County, 7.7%.

Fewer households are short on space in The Woodlands: 1.2% have more than one person per room; in Montgomery County, 3.8%.

A household in The Woodlands has 2.73 people on average, about the same as in Montgomery County (2.75).

Working from home is more common in The Woodlands: 22%, against 16% in Montgomery County.

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 The Woodlands?

A typical home costs more than the typical income allows

We start with a typical home in The Woodlands, worth $511,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in The Woodlands, which is $140,701 a year. For that payment to be 28% of income, a household would need to earn about $193,582 a year.

The calculator's FHA and conventional loan limits are those of all of Montgomery County.

Your numbers

Local data
$

Starts at the typical home value in The Woodlands. 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 $17,910 (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

$4,517

at 7.18% · 30 years

Loan amount
$502,431
Total interest
$722,881
Paid off in
November 2056

Includes $8,641 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,283 a month

  • Tight

    $3,283 to $4,221 a month

  • Hard

    more than $4,221 a month

    Your payment · 39%

Compared with the typical household income in The Woodlands ($140,701 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,517
Principal & interest$3,404
Property tax$674
Home insurance$213
FHA mortgage insurance (MIP)$226

You need at least $17,910 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

The Woodlands and Montgomery County

The Woodlands is in Montgomery 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).

The Woodlands's own numbers

Typical home value
$511,700
Typical monthly rent
$1,822
Typical yearly household income
$140,701
Households that own their home
73%
Effective property tax rate
1.58%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Montgomery County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,497
Price change over 5 years (FHFA)
+54%
Homes in a high flood-risk zone
3.6%

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 Montgomery County.

Everything about Montgomery County

Buying

Buying a home in The Woodlands

A typical home in The Woodlands is worth $511,700: 48% above the county and 80% above Texas. With the typical household income in The Woodlands ($140,701 a year), a typical home costs 3.6 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.

  • The Woodlands 3.6 years
  • Montgomery 3.5 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Montgomery County

According to FHFA’s house price index, home prices in Montgomery County rose 84% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Montgomery County.

Period County Texas U.S.
Last year (2025) +2.2% +0.8% +2.9%
5 years (2020–2025) +54% +44% +47%
10 years (2015–2025) +84% +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

The Woodlands next to Montgomery 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
  • The Woodlands $511,700
  • Montgomery $346,200
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • The Woodlands $1,822
  • Montgomery $1,532
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • The Woodlands $140,701
  • Montgomery $97,701
  • Texas $78,476
  • United States $80,734
See the full table
The Woodlands next to Montgomery County and Texas
Measure The Woodlands Montgomery County Texas U.S.
Typical home value $511,700 $346,200 $283,800 $332,700
Typical monthly rent $1,822 $1,532 $1,403 $1,413
Typical yearly household income $140,701 $97,701 $78,476 $80,734
Households that own their home 73% 72% 63% 65%
Typical yearly property tax $8,062 $5,268 $4,232 $3,119
Effective property tax rate 1.58% 1.52% 1.49% 0.94%
Renters with high rent for their income 47% 47% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Montgomery 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 The Woodlands

For a typical $511,700 home in The Woodlands, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, The Woodlands's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,517a month

    Least cash to close
    Down payment
    $17,910
    Cash to close
    $33,261
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $226

  • Conventional, 5% down $4,423a month

    Down payment
    $25,585
    Cash to close
    $40,936
    Rate
    7.18%
    Mortgage insurance
    PMI · $243

  • Conventional, 20% down, no PMI $3,660a month

    Down payment
    $102,340
    Cash to close
    $117,691
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,133a month

    Down payment
    $76,755
    Cash to close
    $92,106
    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 The Woodlands and for Montgomery County.

Property tax

Effective rate in The Woodlands

1.58%of the home’s value each year

$8,062 a year for the typical owner in The Woodlands.

  • The Woodlands 1.58%
  • Montgomery 1.52%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Montgomery County

FEMA does not publish these numbers by city: they are for all of Montgomery County.

Homes in the high-risk zone
3.6%
7,208
Of those, with NFIP insurance
36%
County Texas U.S.
Homes in the high-risk zone 3.6% 4.1% 3.5%
Of those, with NFIP insurance 36% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in The Woodlands

Typical rent in The Woodlands is $1,822 a month: 19% above the county. In The Woodlands, 47% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Montgomery County, by unit size. To pay the 2-bedroom one ($1,497 a month) without spending more than 30% of your income, you would need to earn $28.79 an hour working full time.

HUD fair market rent for all of Montgomery 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 $1,233 $23.71 $49,320
1 bedroom $1,261 $24.25 $50,440
2 bedrooms $1,497 $28.79 $59,880
3 bedrooms $2,017 $38.79 $80,680
4 bedrooms $2,502 $48.12 $100,080

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 The Woodlands

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). The Woodlands has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,870 in 77381 to $2,040 in 77382.

3 of the 3 are above the fair market rent for Montgomery County ($1,497).

  • 77380 $1,910$2,570
  • 77381 $1,870$2,520
  • 77382 $2,040$2,740

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for The Woodlands 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 The Woodlands

HUD lists 8 buildings with rents for lower incomes in The Woodlands. These are the largest.

  • 333 Holly 333 Holly Court, The Woodlands 77381 332 low-income homes · 1 bd: 108 · 2 bd: 168 · 3 bd: 56 · For older adults, people with disabilities, families, people experiencing homelessness
  • Copperwood Apts 4407 S Panther Creek Dr, The Woodlands 77381 300 low-income homes · 1 bd: 264 · 2 bd: 36 · In service since 2006 · For older adults (281) 363-4978
  • Tamarac Pines Apts 10510 Six Pines Dr, The Woodlands 77380 300 low-income homes · For older adults (281) 292-6812
  • The Pines 3451 Tangle Brush Dr, The Woodlands 77381 152 low-income homes · 1 bd: 40 · 2 bd: 72 · 3 bd: 40 · For older adults, people with disabilities, families, people experiencing homelessness (281) 367-8975
  • 333 Holly 333 Holly Creek Ct, The Woodlands 77381 180 homes, 139 low-income · For families (281) 367-7718

See all 42 buildings in Montgomery County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in The Woodlands

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 Montgomery County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in The Woodlands

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

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

  • NSC (naca Counseling Subsidiary) - Houston, TX

    14425 Torrey Chase Blvd Ste 200, Houston · 13 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (713) 706-3400

  • Nid-Hca Dightman

    113 N Avenue H, Humble · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 8 more
    (281) 895-0563

  • Operation Hope - Houston TX

    10100 Katy Fwy, Houston · 27 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 2 more
    (832) 237-6747

All counseling agencies in Texas

Help in Spanish near The Woodlands

2 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 The Woodlands

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

  • Housing Authority of Montgomery County Section 8 vouchers (936) 539-4984

All housing agencies in Texas Source: HUD

Cities

Other cities in Montgomery County

These cities are also in Montgomery County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Montgomery County Housing in Texas

Nearby cities

The cities closest to The Woodlands, with the typical home value.

Neighboring counties

If Montgomery 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 The Woodlands.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about The Woodlands

Short answers with the numbers for The Woodlands and all of Montgomery 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 The Woodlands?

The typical home value in The Woodlands is $511,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Montgomery County it is $346,200.

How much does it cost to rent in The Woodlands?

Typical rent in The Woodlands is $1,822 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Montgomery County is $1,497.

What is the FHA loan limit in The Woodlands?

The Woodlands uses the FHA limit for all of Montgomery 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 The Woodlands?

The typical homeowner in The Woodlands pays $8,062 a year, according to the U.S. Census Bureau. That is 1.58% of the home’s value; in Montgomery County, the rate is 1.52%.

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

We found no HUD-approved counseling agencies with an office in Montgomery 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).