In Tomball, a typical home is worth $364,300 and typical rent is $1,226 a month. Compared with all of Harris County, the typical home value is 32% higher and typical rent is 12% lower.
Typical home value from Zillow, September 2021 to September 2026: from $310,872 to $355,729.
Typical rent
$1,792a month
▲ 2.6% more than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,550 to $1,792.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Tomball is in Harris 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 Harris County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Aldine, the typical home value is $103,200: 72% less than in Tomball ($364,300).
2
The typical home in Tomball is worth $364,300,32% more than in Harris County as a whole ($276,600).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Tomball
What homes there are in Tomball, 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
Tomball
Harris County
Texas
United States
Kind of home: Tomball and its comparisons
Measure
Tomball
Harris County
Texas
United States
Detached house
58%
57%
64%
61%
Attached house
Unreliable estimate
4%
3%
6%
Building of 2 to 4
Unreliable estimate
5%
5%
8%
Apartments (5 or more)
32%
32%
21%
19%
Mobile home
Unreliable estimate
3%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Tomball, 6 in 10 homes are single-family detached houses, about the same as in Harris County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Tomball
Harris County
Texas
United States
Year built: Tomball and its comparisons
Measure
Tomball
Harris County
Texas
United States
Before 1960
13%
12%
12%
26%
1960–1979
11%
25%
21%
24%
1980–1999
36%
27%
28%
25%
2000–2009
15%
18%
18%
14%
2010 or later
26%
19%
21%
11%
Homes in Tomball are newer: the typical year built is 1994; in Harris County, 1988.
By size, homes in Tomball look like those in Harris County: 56% have 3 bedrooms or more.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K18%
$300K–$500K49%
$500K–$750K12%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Tomball and its comparisons
Measure
Tomball
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
18%
$300K–$500K
49%
$500K–$750K
12%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49951%
$1,500–$1,99922%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Tomball and its comparisons
Measure
Tomball
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
51%
$1,500–$1,999
22%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,496 a month
Harris County: $2,155 a month
Without a mortgage
$758 a month
Harris County: $744 a month
Owners with a mortgage
63%
Harris County: 57%
In Tomball, 63% of owners have a mortgage, and their typical cost is $2,496 a month, against $2,155 in Harris County. Without one it drops to $758.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Tomball+72%
Harris County+57%
Texas+65%
United States+53%
Typical rent
Tomball+14%
Harris County+30%
Texas+34%
United States+33%
Typical household income
Tomball+33%
Harris County+22%
Texas+27%
United States+29%
Change since 2015–2019: Tomball and its comparisons
Measure
Tomball
Harris County
Texas
United States
Typical home value
+72%
+57%
+65%
+53%
Typical rent
+14%
+30%
+34%
+33%
Typical household income
+33%
+22%
+27%
+29%
The typical home value in Tomball rose 72% since 2015–2019, more than in Harris County (57%).
Rents in Tomball rose more slowly than in Harris County: 14% since 2015–2019, against 30%.
To compare: typical income in Tomball rose 33%; the home, +72%; the rent, +14%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Tomball and its comparisons
Measure
Tomball
Harris County
Texas
United States
Rental vacancy
Unreliable estimate
9.3%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.1%
0.9%
More than one person per room
Unreliable estimate
6.6%
4.8%
3.4%
People per household
2.52
2.73
2.69
2.53
Drive alone
70%
70%
71%
69%
Carpool
9%
11%
10%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
20%
13%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Tomball are smaller: 2.52 people on average; in Harris County, 2.73.
Working from home is more common in Tomball: 20%, against 13% in Harris County.
Do the math
What would you pay each month for a home in Tomball?
A typical home costs more than the typical income allows
We start with a typical home in Tomball, worth $364,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Tomball, which is $78,562 a year. For that payment to be 28% of income, a household would need to earn about $136,388 a year.
The calculator's FHA and conventional loan limits are those of all of Harris 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 Tomball. 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 $12,751 (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
$3,182
at 7.18% · 30 years
Loan amount
$357,701
Total interest
$514,648
Paid off in
November 2056
Includes $6,152 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,833 a month
Tight
$1,833 to $2,357 a month
Hard
more than $2,357 a month
Your payment · 49%
Compared with the typical household income in Tomball ($78,562 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,423
Property tax
$446
Home insurance
$152
FHA mortgage insurance (MIP)
$161
You need at least $12,751 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 $3,182; principal and interest $2,423.
The city and its county
Tomball and Harris County
Tomball is in Harris 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).
Tomball
Map of Harris County, Texas, with Tomball marked. Around it, the neighboring counties.
Tomball
Harris County
Other cities with a page
Tomball's own numbers
Typical home value
$364,300
Typical monthly rent
$1,226
Typical yearly household income
$78,562
Households that own their home
52%
Effective property tax rate
1.47%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Harris 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)
+31%
Homes in a high flood-risk zone
9.1%
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 Harris County.
A typical home in Tomball is worth $364,300: 32% above the county and 28% above Texas. With the typical household income in Tomball ($78,562 a year), a typical home costs 4.6 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.
Tomball4.6 years
Harris3.7 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Harris County
According to FHFA’s house price index, home prices in Harris County rose 54% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Harris County.
Yearly change in FHFA’s price index in Harris County, 2016 to 2025
2016: +2.7% +2.7% 2016
2017: +3.3% +3.3% 2017
2018: +4.3% +4.3% 2018
2019: +3.5% +3.5% 2019
2020: +2.8% +2.8% 2020
2021: +6.3% +6.3% 2021
2022: +12.3% +12.3% 2022
2023: +5.7% +5.7% 2023
2024: +3.0% +3.0% 2024
2025: +0.6% +0.6% 2025
Change in FHFA’s price index in Harris County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.6%
+0.8%
+2.9%
5 years (2020–2025)
+31%
+44%
+47%
10 years (2015–2025)
+54%
+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
Tomball next to Harris 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
Tomball$364,300
Harris$276,600
Texas$283,800
United States$332,700
Typical monthly rent
Tomball$1,226
Harris$1,401
Texas$1,403
United States$1,413
Typical yearly household income
Tomball$78,562
Harris$74,983
Texas$78,476
United States$80,734
See the full table
Tomball next to Harris County and Texas
Measure
Tomball
Harris County
Texas
U.S.
Typical home value
$364,300 ▲32% above the county
$276,600
$283,800
$332,700
Typical monthly rent
$1,226 ▼12% below the county
$1,401
$1,403
$1,413
Typical yearly household income
$78,562 ▲5% above the county
$74,983
$78,476
$80,734
Households that own their home
52% ▼3 points below the county
55%
63%
65%
Typical yearly property tax
$5,341 ▲19% above the county
$4,489
$4,232
$3,119
Effective property tax rate
1.47% ▼0.15 points below the county
1.62%
1.49%
0.94%
Renters with high rent for their income
60% ▲6 points above the county
54%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Harris 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 Tomball
For a typical $364,300 home in Tomball, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Tomball's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,182a month
Least cash to close
Down payment
$12,751
Cash to close
$23,680
Rate
7.18%
Mortgage insurance
FHA MIP · $161
Conventional, 5% down$3,116a month
Down payment
$18,215
Cash to close
$29,144
Rate
7.18%
Mortgage insurance
PMI · $173
Conventional, 20% down, no PMI$2,572a month
Down payment
$72,860
Cash to close
$83,789
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,909a month
Down payment
$54,645
Cash to close
$65,574
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Tomball
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,182
$12,751
$357,702
7.18%
FHA MIP · $161
$23,680
580
Conventional, 5% down
$3,116
$18,215
$346,085
7.18%
PMI · $173
$29,144
620*
Conventional, 20% down, no PMI
$2,572
$72,860
$291,440
7.18%
None
$83,789
620*
ITIN, 15% down (example)
$2,909
$54,645
$309,655
8.18%
None
$65,574
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 Tomball is $1,226 a month: 12% below the county. In Tomball, 60% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Harris 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Harris County (Fiscal year 2027)
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 Tomball
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Tomball is in ZIP code 77375.
For 2 bedrooms it is $1,690: $193 more than the fair market rent for Harris County ($1,497).
Fair market rent by ZIP code and size in Tomball, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77375
$1,390
$1,420
$1,690
$2,280
$2,820
ZIP code2 bd3 bd
77375 $1,690$2,280
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Tomball 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 7 buildings with rents for lower incomes in Tomball. These are the largest.
Hometowne at Tomball2627 S Cherry St, Tomball 77375210 homes, 189 low-income · 1 bd: 84 · 2 bd: 126 · In service since 2008 · For older adults
Retreat at Westlock24055 SH 249, Tomball 77375140 low-income homes · 1 bd: 100 · 2 bd: 40 · For older adults, people with disabilities, families, people experiencing homelessness
The Village Apts (TOMBALL)517 School St, Tomball 7737564 low-income homes · In service since 2000
HVM Mid-Town Apts I820 Carrell St, Tomball 7737554 homes, 53 low-income · 1 bd: 16 · 2 bd: 32 · 3 bd: 6 · In service since 2010
HVM Mid-Town Apts II820 Carrell St, Tomball 7737524 low-income homes · 1 bd: 20 · 2 bd: 4 · In service since 1998
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.
There are 13 HUD-approved agencies with an office in Harris County; 8 say they serve in Spanish.
No down payment, repair or rent-help program on our list is for Tomball or Harris County. The ones below are statewide in Texas: they work in Tomball 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 Tomball or Harris 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 Tomball and all of Harris 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 Tomball?
The typical home value in Tomball is $364,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Harris County it is $276,600.
How much does it cost to rent in Tomball?
Typical rent in Tomball is $1,226 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Harris County is $1,497.
What is the FHA loan limit in Tomball?
Tomball uses the FHA limit for all of Harris 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 Tomball?
The typical homeowner in Tomball pays $5,341 a year, according to the U.S. Census Bureau. That is 1.47% of the home’s value; in Harris County, the rate is 1.62%.
Where can I find free help to buy or rent in Tomball?
There are 13 HUD-approved counseling agencies with an office in Harris County. 8 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.
