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City · 15,417 residents · Uvalde County, Texas

Uvalde , Texas

In Uvalde, a typical home is worth $136,800 and typical rent is $994 a month. Compared with all of Uvalde County, the typical home value is 9% lower.

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  • Typical home value

    $136,800

    9% below the county

    52% below Texas

    • Uvalde
    • County
    • Texas

  • Typical rent

    $994a month

    About the same as the county

    29% below Texas

    • Uvalde
    • County
    • Texas

  • Typical household income

    $51,141a year

    5% below the county

    35% below Texas

    • Uvalde
    • County
    • Texas

  • Households that own their home

    67%

    3 points below the county

    5 points above Texas

    • Uvalde
    • County
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$170,156
7.7% less than 12 months ago

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

Uvalde is in Uvalde 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 Uvalde County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Uvalde apart

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

  1. Nearby, in Crystal City, the typical rent is $518: 48% less than in Uvalde ($994).

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Uvalde fell 7.7%; in Texas, it fell 1.4%.

  3. Nearby, in Eidson Road, the typical home value is $100,900: 26% less than in Uvalde ($136,800).

  4. Uvalde has the 23rd smallest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (38%).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Uvalde

What homes there are in Uvalde, 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

In Uvalde, 7 in 10 homes are single-family detached houses; in Uvalde County, 7.

Year built

Homes in Uvalde are older: the typical year built is 1978; in Uvalde County, 1983.

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 Uvalde County is high ($541,287): at least 98% of owner-occupied homes in Uvalde are worth less than $500,000.

Monthly rent with utilities

With a mortgage

$1,455 a month

Uvalde County: $1,593 a month

Without a mortgage

$487 a month

Uvalde County: $498 a month

Owners with a mortgage

30%

Uvalde County: 31%

In Uvalde, 30% of owners have a mortgage, and their typical cost is $1,455 a month, against $1,593 in Uvalde County. Without one it drops to $487.

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

Since 2015–2019, homes in Uvalde gained value faster than in Uvalde County: 76% against 69%.

Since 2015–2019, the typical rent in Uvalde rose 57%, more than in Uvalde County (52%).

The typical household income in Uvalde rose 23%: less than home values (+76%) and rent (+57%).

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

MeasureUvaldeUvalde CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate4.8%3.4%
People per household 2.832.862.692.53
Drive alone 82%83%71%69%
Carpool Unreliable estimate7%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home Unreliable estimateUnreliable estimate14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

A household in Uvalde has 2.83 people on average, about the same as in Uvalde County (2.86).

The car rules in Uvalde: 82% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Uvalde?

A typical home is tight for the typical income

We start with a typical home in Uvalde, worth $136,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 29% of the typical household income in Uvalde, which is $51,141 a year. For that payment to be 28% of income, a household would need to earn about $52,388 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Uvalde. 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 $4,788 (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

$1,222

at 7.18% · 30 years

Loan amount
$134,322
Total interest
$193,258
Paid off in
November 2056

Includes $2,310 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,193 a month

  • Tight

    $1,193 to $1,534 a month

    Your payment · 29%

  • Hard

    more than $1,534 a month

Compared with the typical household income in Uvalde ($51,141 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,222
Principal & interest$910
Property tax$195
Home insurance$57
FHA mortgage insurance (MIP)$61

You need at least $4,788 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

Uvalde and Uvalde County

Uvalde is in Uvalde 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).

Uvalde's own numbers

Typical home value
$136,800
Typical monthly rent
$994
Typical yearly household income
$51,141
Households that own their home
67%
Effective property tax rate
1.71%

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

Numbers for all of Uvalde County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,200
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
8.8%

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 Uvalde County.

Everything about Uvalde County

Buying

Buying a home in Uvalde

A typical home in Uvalde is worth $136,800: 9% below the county and 52% below Texas. With the typical household income in Uvalde ($51,141 a year), a typical home costs 2.7 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.

  • Uvalde 2.7 years
  • County 2.8 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Uvalde County

According to FHFA’s house price index, home prices in Uvalde County rose 75% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +6.2% +0.8% +2.9%
5 years (2020–2025) +49% +44% +47%
10 years (2015–2025) +75% +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

Uvalde next to Uvalde 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
  • Uvalde $136,800
  • County $150,800
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Uvalde $994
  • County $981
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Uvalde $51,141
  • County $53,801
  • Texas $78,476
  • United States $80,734
See the full table
Uvalde next to Uvalde County and Texas
Measure Uvalde Uvalde County Texas U.S.
Typical home value $136,800 $150,800 $283,800 $332,700
Typical monthly rent $994 $981 $1,403 $1,413
Typical yearly household income $51,141 $53,801 $78,476 $80,734
Households that own their home 67% 71% 63% 65%
Typical yearly property tax $2,334 $2,173 $4,232 $3,119
Effective property tax rate 1.71% 1.44% 1.49% 0.94%
Renters with high rent for their income 38% 37% 52% 51%

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

For a typical $136,800 home in Uvalde, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Uvalde's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,222a month

    Least cash to close
    Down payment
    $4,788
    Cash to close
    $8,892
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $61

  • Conventional, 5% down $1,197a month

    Down payment
    $6,840
    Cash to close
    $10,944
    Rate
    7.18%
    Mortgage insurance
    PMI · $65

  • Conventional, 20% down, no PMI $993a month

    Down payment
    $27,360
    Cash to close
    $31,464
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,120a month

    Down payment
    $20,520
    Cash to close
    $24,624
    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 Uvalde and for Uvalde County.

Property tax

Effective rate in Uvalde

1.71%of the home’s value each year

$2,334 a year for the typical owner in Uvalde.

  • Uvalde 1.71%
  • County 1.44%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Uvalde County

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

Homes in the high-risk zone
8.8%
948
Of those, with NFIP insurance
19%
County Texas U.S.
Homes in the high-risk zone 8.8% 4.1% 3.5%
Of those, with NFIP insurance 19% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Uvalde

Typical rent in Uvalde is $994 a month: about the same as the county. In Uvalde, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Uvalde County, by unit size. To pay the 2-bedroom one ($1,200 a month) without spending more than 30% of your income, you would need to earn $23.08 an hour working full time.

HUD fair market rent for all of Uvalde 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 $912 $17.54 $36,480
1 bedroom $917 $17.63 $36,680
2 bedrooms $1,200 $23.08 $48,000
3 bedrooms $1,513 $29.10 $60,520
4 bedrooms $1,841 $35.40 $73,640

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 Uvalde

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Uvalde is in ZIP code 78801.

For 2 bedrooms it is $1,240: $40 more than the fair market rent for Uvalde County ($1,200).

  • 78801 $1,240$1,560

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

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

  • Granada Apts 834 S Getty St, Uvalde 78801 100 low-income homes · 2 bd: 52 · 3 bd: 48 · In service since 1998
  • Monarch Estates Seq of Sunshine Lane & E. Main Street, Uvalde 78801 80 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • La Quinta Apts 735 Evans St, Uvalde 78801 56 low-income homes · For families (830) 278-9388
  • Leona Apts 209 N 1st St, Uvalde 78801 40 low-income homes · 1 bd: 8 · 2 bd: 16 · 3 bd: 16 · For families (830) 278-9366
  • El Dorado Apartments 1806 Garner Field Rd, Uvalde 78801 34 low-income homes · For families (830) 278-1922

See all 5 buildings in Uvalde County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Uvalde

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

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in Uvalde

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

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

  • NSC (naca Counseling Subsidiary) - San Antonio, TX

    1603 Babcock Rd Suite 200, San Antonio · 75 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (210) 826-2828

  • Our Casas Resident Council, Inc.

    2300 W Commerce St Ste 218, San Antonio · 77 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (210) 354-2400

  • City of San Antonio/Dept of Neighborhood and Housing Services (DNHS)

    100 W Houston St, San Antonio · 79 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (210) 207-5309

All counseling agencies in Texas

Help in Spanish near Uvalde

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 Uvalde

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

All housing agencies in Texas Source: HUD

Cities

Nearby cities

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

Everything about Uvalde County Housing in Texas

Neighboring counties

If Uvalde 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 Uvalde.

All guides
Three generations of a family gather on the porch of their home.

Questions

Housing questions about Uvalde

Short answers with the numbers for Uvalde and all of Uvalde 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 Uvalde?

The typical home value in Uvalde is $136,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Uvalde County it is $150,800.

How much does it cost to rent in Uvalde?

Typical rent in Uvalde is $994 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Uvalde County is $1,200.

What is the FHA loan limit in Uvalde?

Uvalde uses the FHA limit for all of Uvalde 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 Uvalde?

The typical homeowner in Uvalde pays $2,334 a year, according to the U.S. Census Bureau. That is 1.71% of the home’s value; in Uvalde County, the rate is 1.44%.

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

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