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City · 45,347 residents · Ellis County, Texas

Waxahachie , Texas

In Waxahachie, a typical home is worth $336,500 and typical rent is $1,618 a month. Compared with all of Ellis County, typical household income is 14% lower and the share of households that own their home is 16 points lower.

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  • Typical home value

    $336,500

    3% below the county

    19% above Texas

    • Waxahachie
    • Ellis
    • Texas

  • Typical rent

    $1,618a month

    About the same as the county

    15% above Texas

    • Waxahachie
    • Ellis
    • Texas

  • Typical household income

    $85,723a year

    14% below the county

    9% above Texas

    • Waxahachie
    • Ellis
    • Texas

  • Households that own their home

    60%

    16 points below the county

    2 points below Texas

    • Waxahachie
    • Ellis
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$368,399
1.2% less than 12 months ago
Typical rent
$1,780 a month
2.7% more than 12 months ago

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

Waxahachie is in Ellis County. The FHA loan limit ($563,500 for a one-unit home), the fair market rents and the help on this page are those of all of Ellis County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Waxahachie apart

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

  1. 60% of households in Waxahachie own their home, against 76% in Ellis County.

  2. Nearby, in Ennis, the typical home value is $260,100: 23% less than in Waxahachie ($336,500).

  3. Nearby, in Ennis, the typical rent is $1,362: 16% less than in Waxahachie ($1,618).

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

The homes here

Housing in Waxahachie

What homes there are in Waxahachie, 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 Waxahachie, 7 in 10 homes are single-family detached houses; in Ellis County, 8.

Year built

By age, homes in Waxahachie look like those in Ellis County: the typical year built is 2004.

There are fewer big homes in Waxahachie than in Ellis County: 68% have 3 bedrooms or more, against 78%.

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 loan limit for Ellis County is $563,500, and about 91% of owner-occupied homes in Waxahachie are worth less than that.

Monthly rent with utilities

With a mortgage

$2,260 a month

Ellis County: $2,258 a month

Without a mortgage

$711 a month

Ellis County: $789 a month

Owners with a mortgage

71%

Ellis County: 63%

In Waxahachie, 71% of owners have a mortgage; their typical cost is $2,260 a month, about the same as in Ellis County.

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

From 2015–2019 to 2020–2024, the typical home value in Waxahachie rose 91%; in Ellis County, it rose 82%.

The typical rent in Waxahachie rose 49% since 2015–2019, about the same as in Ellis County (51%).

Housing prices ran ahead of income in Waxahachie: typical income rose 31%, against +91% for home values and +49% for rent.

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

MeasureWaxahachieEllis CountyTexasUnited States
Rental vacancy Unreliable estimate3.8%7.7%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room 2.4%3.6%4.8%3.4%
People per household 2.752.942.692.53
Drive alone 79%77%71%69%
Carpool 8%9%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 1%1%2%3%
Work from home 11%12%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 2.4% of households in Waxahachie live, less than in Ellis County (3.6%).

Fewer people live in each home here: 2.75 on average, against 2.94 in Ellis County.

To get to work, 79% of workers in Waxahachie drive alone; in Ellis County, 77%.

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 Waxahachie?

A typical home costs more than the typical income allows

We start with a typical home in Waxahachie, worth $336,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 41% of the typical household income in Waxahachie, which is $85,723 a year. For that payment to be 28% of income, a household would need to earn about $126,941 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Waxahachie. 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 $11,778 (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

$2,962

at 7.18% · 30 years

Loan amount
$330,405
Total interest
$475,375
Paid off in
November 2056

Includes $5,683 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,000 a month

  • Tight

    $2,000 to $2,572 a month

  • Hard

    more than $2,572 a month

    Your payment · 41%

Compared with the typical household income in Waxahachie ($85,723 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,962
Principal & interest$2,238
Property tax$435
Home insurance$140
FHA mortgage insurance (MIP)$149

You need at least $11,778 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

Waxahachie and Ellis County

Waxahachie is in Ellis 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).

Waxahachie's own numbers

Typical home value
$336,500
Typical monthly rent
$1,618
Typical yearly household income
$85,723
Households that own their home
60%
Effective property tax rate
1.55%

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

Numbers for all of Ellis County

FHA limit, one-unit home
$563,500
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,807
Price change over 5 years (FHFA)
+50%
Homes in a high flood-risk zone
1.5%

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 Ellis County.

Everything about Ellis County

Buying

Buying a home in Waxahachie

A typical home in Waxahachie is worth $336,500: 3% below the county and 19% above Texas. With the typical household income in Waxahachie ($85,723 a year), a typical home costs 3.9 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.

  • Waxahachie 3.9 years
  • Ellis 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 Ellis County

According to FHFA’s house price index, home prices in Ellis County rose 113% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −0.3% +0.8% +2.9%
5 years (2020–2025) +50% +44% +47%
10 years (2015–2025) +113% +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

Waxahachie next to Ellis 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
  • Waxahachie $336,500
  • Ellis $348,600
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Waxahachie $1,618
  • Ellis $1,594
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Waxahachie $85,723
  • Ellis $99,595
  • Texas $78,476
  • United States $80,734
See the full table
Waxahachie next to Ellis County and Texas
Measure Waxahachie Ellis County Texas U.S.
Typical home value $336,500 $348,600 $283,800 $332,700
Typical monthly rent $1,618 $1,594 $1,403 $1,413
Typical yearly household income $85,723 $99,595 $78,476 $80,734
Households that own their home 60% 76% 63% 65%
Typical yearly property tax $5,225 $4,697 $4,232 $3,119
Effective property tax rate 1.55% 1.35% 1.49% 0.94%
Renters with high rent for their income 42% 51% 52% 51%

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

For a typical $336,500 home in Waxahachie, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Waxahachie's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,962a month

    Least cash to close
    Down payment
    $11,778
    Cash to close
    $21,873
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $149

  • Conventional, 5% down $2,900a month

    Down payment
    $16,825
    Cash to close
    $26,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $160

  • Conventional, 20% down, no PMI $2,399a month

    Down payment
    $67,300
    Cash to close
    $77,395
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,710a month

    Down payment
    $50,475
    Cash to close
    $60,570
    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 Waxahachie and for Ellis County.

Property tax

Effective rate in Waxahachie

1.55%of the home’s value each year

$5,225 a year for the typical owner in Waxahachie.

  • Waxahachie 1.55%
  • Ellis 1.35%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Ellis County

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

Homes in the high-risk zone
1.5%
881
Of those, with NFIP insurance
29%
County Texas U.S.
Homes in the high-risk zone 1.5% 4.1% 3.5%
Of those, with NFIP insurance 29% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Waxahachie

Typical rent in Waxahachie is $1,618 a month: about the same as the county. In Waxahachie, 42% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Ellis County, by unit size. To pay the 2-bedroom one ($1,807 a month) without spending more than 30% of your income, you would need to earn $34.75 an hour working full time.

HUD fair market rent for all of Ellis 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 $1,491 $28.67 $59,640
1 bedroom $1,536 $29.54 $61,440
2 bedrooms $1,807 $34.75 $72,280
3 bedrooms $2,275 $43.75 $91,000
4 bedrooms $2,892 $55.62 $115,680

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 Waxahachie

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Waxahachie has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,720 in 75165 to $2,250 in 75167.

1 of the 2 is above the fair market rent for Ellis County ($1,807).

  • 75165 $1,720$2,170
  • 75167 $2,250$2,840

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

HUD lists 11 buildings with rents for lower incomes in Waxahachie. These are the largest.

  • Gala at Waxahachie Seq of E. Main Street and Parks Schoohouse Road, Waxahachie 75165 185 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • Patrick Apts 208 Patrick St, Waxahachie 75165 104 low-income homes · Run by Housing Authority of Waxahachie · Average payment: $533 a month · Average wait: 5 months (972) 937-5730
  • Cypress Creek Apartment Homes at Waxahachie NW of Post Oak DR and US 287, Waxahachie 75165 168 homes, 98 low-income · For older adults, people with disabilities, families, people experiencing homelessness
  • Grand Reserve Seniors - Waxahachie Community 129 Park Hills Dr, Waxahachie 75165 80 low-income homes · 1 bd: 26 · 2 bd: 54 · In service since 2010
  • Lexington Arms 418 Lexington Dr, Waxahachie 75165 61 low-income homes · 4 bd: 61 · In service since 1997

See all 24 buildings in Ellis County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Waxahachie

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

Two women and a girl laugh together at the bus stop.

HUD counseling is free or low-cost

Assistance programs in Waxahachie

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

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

  • NSC (naca Counseling Subsidiary) - Dallas, TX

    5787 S Hampton Rd Ste 115, Dallas · 19 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (972) 283-1171

  • Operation Hope - Dallas Texas

    1150 W Kiest Blvd, Dallas · 21 miles away · Spanish

    • Mortgage delinquency workshops
    • Budget and financial counseling
    • and 3 more
    (256) 384-6720

  • BCL of Texas (business and Community Lenders)

    400 S Zang Blvd Ste 1220, Dallas · 24 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (214) 688-7456

All counseling agencies in Texas

Help in Spanish near Waxahachie

3 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 Waxahachie

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

2 other authorities have an office in Ellis County: see the list Source: HUD

Cities

Other cities in Ellis County

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

Everything about Ellis County Housing in Texas

Nearby cities

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

Neighboring counties

If Ellis 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 Waxahachie.

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

Questions

Housing questions about Waxahachie

Short answers with the numbers for Waxahachie and all of Ellis 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 Waxahachie?

The typical home value in Waxahachie is $336,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ellis County it is $348,600.

How much does it cost to rent in Waxahachie?

Typical rent in Waxahachie is $1,618 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Ellis County is $1,807.

What is the FHA loan limit in Waxahachie?

Waxahachie uses the FHA limit for all of Ellis County (2026): $563,500 for a one-unit home and $1,083,650 for a four-unit home.

How much property tax do owners pay in Waxahachie?

The typical homeowner in Waxahachie pays $5,225 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Ellis County, the rate is 1.35%.

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

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