In Victoria, a typical home is worth $207,100 and typical rent is $1,172 a month. Compared with all of Victoria County, typical household income is 5% lower and the share of households that own their home is 7 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $185,583 to $214,046.
Typical rent
$1,169a month
▲ 4.9% more than 12 months ago
Typical rent from Zillow, March 2022 to September 2026: from $1,017 to $1,169.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Victoria is in Victoria 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 Victoria County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Edna, the typical home value is $117,800: 43% less than in Victoria ($207,100).
2
Nearby, in Port Lavaca, the typical rent is $849: 28% less than in Victoria ($1,172).
3
58% of households in Victoria own their home, against 65% in Victoria County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Victoria
What homes there are in Victoria, 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
Victoria
Victoria County
Texas
United States
Kind of home: Victoria and its comparisons
Measure
Victoria
Victoria County
Texas
United States
Detached house
62%
65%
64%
61%
Attached house
2%
1%
3%
6%
Building of 2 to 4
14%
11%
5%
8%
Apartments (5 or more)
17%
12%
21%
19%
Mobile home
6%
11%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses are the majority in Victoria (62%), but less so than in Victoria County (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Victoria
Victoria County
Texas
United States
Year built: Victoria and its comparisons
Measure
Victoria
Victoria County
Texas
United States
Before 1960
23%
20%
12%
26%
1960–1979
26%
26%
21%
24%
1980–1999
25%
26%
28%
25%
2000–2009
10%
11%
18%
14%
2010 or later
15%
16%
21%
11%
In Victoria, half of the homes were built before 1980; in Victoria County, before 1983.
Homes in Victoria are smaller: 58% have 3 bedrooms or more; in Victoria County, 64%.
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 $100K22%
$100K–$200K26%
$200K–$300K32%
$300K–$500K17%
$500K–$750K2%
FHA limit: $541,287
$750K–$1M2%
$1M or moreUnreliable
Value of owner-occupied homes: Victoria and its comparisons
Measure
Victoria
Under $100K
22%
$100K–$200K
26%
$200K–$300K
32%
$300K–$500K
17%
$500K–$750K
2%
$750K–$1M
2%
$1M or more
Unreliable estimate
By price, most homes in Victoria sit under the FHA limit for Victoria County ($541,287): about 96%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $5007%
$500–$99925%
$1,000–$1,49947%
HUD fair market rent, 2 bedrooms: $1,428
$1,500–$1,99916%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Victoria and its comparisons
Measure
Victoria
Under $500
7%
$500–$999
25%
$1,000–$1,499
47%
$1,500–$1,999
16%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
HUD's 2-bedroom fair market rent (FMR) for Victoria County is $1,428; about 72% of rents in Victoria are below it.
With a mortgage
$1,718 a month
Victoria County: $1,751 a month
Without a mortgage
$652 a month
Victoria County: $616 a month
Owners with a mortgage
48%
Victoria County: 44%
The typical cost for an owner with a mortgage in Victoria is $1,718 a month, near the figure in Victoria County ($1,751).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Victoria+52%
Victoria County+47%
Texas+65%
United States+53%
Typical rent
Victoria+26%
Victoria County+26%
Texas+34%
United States+33%
Typical household income
Victoria+24%
Victoria County+25%
Texas+27%
United States+29%
Change since 2015–2019: Victoria and its comparisons
Measure
Victoria
Victoria County
Texas
United States
Typical home value
+52%
+47%
+65%
+53%
Typical rent
+26%
+26%
+34%
+33%
Typical household income
+24%
+25%
+27%
+29%
Since 2015–2019, homes in Victoria gained value faster than in Victoria County: 52% against 47%.
Rents in Victoria rose at about the same pace as in Victoria County: 26% since 2015–2019, against 26%.
The typical household income in Victoria rose 24% over that time; home values changed +52% and rent +26%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Victoria and its comparisons
Measure
Victoria
Victoria County
Texas
United States
Rental vacancy
13.4%
13.0%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
3.8%
3.3%
4.8%
3.4%
People per household
2.52
2.58
2.69
2.53
Drive alone
81%
81%
71%
69%
Carpool
8%
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
2%
2%
2%
3%
Work from home
7%
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
In Victoria, the rental vacancy rate is 13.4%, about the same as in Victoria County.
More than one person per room: that is how 3.8% of households in Victoria live, near the figure in Victoria County (3.3%).
Much as in Victoria County, a household in Victoria has 2.52 people on average.
In Victoria, 81% of workers drive alone to work; in Victoria County, 81%.
Do the math
What would you pay each month for a home in Victoria?
A typical home is tight for the typical income
We start with a typical home in Victoria, worth $207,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 32% of the typical household income in Victoria, which is $67,226 a year. For that payment to be 28% of income, a household would need to earn about $77,905 a year.
The calculator's FHA and conventional loan limits are those of all of Victoria 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 Victoria. 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 $7,249 (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
$1,818
at 7.18% · 30 years
Loan amount
$203,348
Total interest
$292,571
Paid off in
November 2056
Includes $3,497 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,569 a month
Tight
$1,569 to $2,017 a month
Your payment · 32%
Hard
more than $2,017 a month
Compared with the typical household income in Victoria ($67,226 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,378
Property tax
$262
Home insurance
$86
FHA mortgage insurance (MIP)
$92
You need at least $7,249 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 $1,818; principal and interest $1,378.
The city and its county
Victoria and Victoria County
Victoria is in Victoria 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).
Victoria
Map of Victoria County, Texas, with Victoria marked. Around it, the neighboring counties.
Victoria
Victoria County
Other cities with a page
Victoria's own numbers
Typical home value
$207,100
Typical monthly rent
$1,172
Typical yearly household income
$67,226
Households that own their home
58%
Effective property tax rate
1.52%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Victoria County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,428
Price change over 5 years (FHFA)
+37%
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 Victoria County.
A typical home in Victoria is worth $207,100: about the same as the county and 27% below Texas. With the typical household income in Victoria ($67,226 a year), a typical home costs 3.1 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.
Victoria3.1 years
County3.0 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Victoria County
According to FHFA’s house price index, home prices in Victoria County rose 55% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Victoria County.
Yearly change in FHFA’s price index in Victoria County, 2016 to 2025
2016: −0.1% −0.1% 2016
2017: +2.0% +2.0% 2017
2018: +3.1% +3.1% 2018
2019: +2.8% +2.8% 2019
2020: +4.9% +4.9% 2020
2021: +7.4% +7.4% 2021
2022: +16.1% +16.1% 2022
2023: +7.4% +7.4% 2023
2024: +2.6% +2.6% 2024
2025: −0.6% −0.6% 2025
Change in FHFA’s price index in Victoria County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.6%
+0.8%
+2.9%
5 years (2020–2025)
+37%
+44%
+47%
10 years (2015–2025)
+55%
+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
Victoria next to Victoria 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
Victoria$207,100
County$209,900
Texas$283,800
United States$332,700
Typical monthly rent
Victoria$1,172
County$1,157
Texas$1,403
United States$1,413
Typical yearly household income
Victoria$67,226
County$70,896
Texas$78,476
United States$80,734
See the full table
Victoria next to Victoria County and Texas
Measure
Victoria
Victoria County
Texas
U.S.
Typical home value
$207,100
$209,900
$283,800
$332,700
Typical monthly rent
$1,172
$1,157
$1,403
$1,413
Typical yearly household income
$67,226 ▼5% below the county
$70,896
$78,476
$80,734
Households that own their home
58% ▼7 points below the county
65%
63%
65%
Typical yearly property tax
$3,144 ▲3% above the county
$3,061
$4,232
$3,119
Effective property tax rate
1.52% ▲0.06 points above the county
1.46%
1.49%
0.94%
Renters with high rent for their income
50% ▲2 points above the county
48%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Victoria 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 Victoria
For a typical $207,100 home in Victoria, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Victoria's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,818a month
Least cash to close
Down payment
$7,249
Cash to close
$13,462
Rate
7.18%
Mortgage insurance
FHA MIP · $92
Conventional, 5% down$1,780a month
Down payment
$10,355
Cash to close
$16,568
Rate
7.18%
Mortgage insurance
PMI · $98
Conventional, 20% down, no PMI$1,471a month
Down payment
$41,420
Cash to close
$47,633
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,662a month
Down payment
$31,065
Cash to close
$37,278
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Victoria
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,818
$7,249
$203,349
7.18%
FHA MIP · $92
$13,462
580
Conventional, 5% down
$1,780
$10,355
$196,745
7.18%
PMI · $98
$16,568
620*
Conventional, 20% down, no PMI
$1,471
$41,420
$165,680
7.18%
None
$47,633
620*
ITIN, 15% down (example)
$1,662
$31,065
$176,035
8.18%
None
$37,278
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 Victoria is $1,172 a month: about the same as the county. In Victoria, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Victoria County, by unit size. To pay the 2-bedroom one ($1,428 a month) without spending more than 30% of your income, you would need to earn $27.46 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 Victoria County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,139
$21.90
$45,560
1 bedroom
$1,146
$22.04
$45,840
2 bedrooms
$1,428
$27.46
$57,120
3 bedrooms
$1,701
$32.71
$68,040
4 bedrooms
$1,932
$37.15
$77,280
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 Victoria
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Victoria has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,390 in 77901 to $1,560 in 77904.
1 of the 2 is above the fair market rent for Victoria County ($1,428).
Fair market rent by ZIP code and size in Victoria, fiscal year 2027.
77901
$1,110
$1,120
$1,390
$1,660
$1,880
77904
$1,240
$1,250
$1,560
$1,860
$2,110
ZIP code2 bd3 bd
77901 $1,390$1,660
77904 $1,560$1,860
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Victoria 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 11 buildings with rents for lower incomes in Victoria. These are the largest.
Crestwood Apts.1403 Melrose Ave, Victoria 77901321 low-income homes · Run by Victoria Housing Authority · Average payment: $329 a month · Average wait: 11 months(361) 575-3682
Mockingbird Lane Plaza Apt2501 E Mockingbird Ln, Victoria 77904160 low-income homes · 2 bd: 112 · 3 bd: 40 · 4 bd: 8 · In service since 1999
Fox Run Apts2008 Sam Houston Dr, Victoria 77901150 low-income homes · For families(361) 578-2954
Pinnacle Pointe Apts702 Salem Rd, Victoria 77904144 low-income homes · 2 bd: 108 · 3 bd: 36 · In service since 2005
Creekstone Ranch Apts5609 John Stockbauer Dr, Victoria 77904160 homes, 120 low-income · 2 bd: 40 · 3 bd: 80 · 4 bd: 40 · In service since 1999
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 Victoria 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 Victoria or Victoria County. The ones below are statewide in Texas: they work in Victoria 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 Victoria or Victoria 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 Victoria and all of Victoria 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 Victoria?
The typical home value in Victoria is $207,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Victoria County it is $209,900.
How much does it cost to rent in Victoria?
Typical rent in Victoria is $1,172 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Victoria County is $1,428.
What is the FHA loan limit in Victoria?
Victoria uses the FHA limit for all of Victoria 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 Victoria?
The typical homeowner in Victoria pays $3,144 a year, according to the U.S. Census Bureau. That is 1.52% of the home’s value; in Victoria County, the rate is 1.46%.
Where can I find free help to buy or rent in Victoria?
We found no HUD-approved counseling agencies with an office in Victoria County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
