In West Livingston, a typical home is worth $153,600 and typical rent is $1,212 a month. Compared with all of Polk County, typical rent is 23% higher and the typical home value is 17% lower.
West Livingston is in Polk 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 Polk County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Cleveland, the typical rent is $930: 23% less than in West Livingston ($1,212).
2
Nearby, in Willis, the typical home value is $124,300: 19% less than in West Livingston ($153,600).
3
The typical rent in West Livingston is $1,212 a month, 23% more than in Polk County as a whole ($987).
4
The typical home in West Livingston is worth $153,600,17% less than in Polk County as a whole ($184,800).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in West Livingston
What homes there are in West Livingston, 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
West Livingston
Polk County
Texas
United States
Kind of home: West Livingston and its comparisons
Measure
West Livingston
Polk County
Texas
United States
Detached house
55%
68%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
43%
24%
6%
6%
Boat, RV and other
Unreliable estimate
2%
0%
0%
The detached house is still the most common home in West Livingston, but it weighs less than in Polk County: 55% against 68%.
There are more mobile homes here than in Polk County: 43% of homes, against 24%.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
West Livingston
Polk County
Texas
United States
Year built: West Livingston and its comparisons
Measure
West Livingston
Polk County
Texas
United States
Before 1960
Unreliable estimate
8%
12%
26%
1960–1979
27%
26%
21%
24%
1980–1999
26%
33%
28%
25%
2000–2009
20%
15%
18%
14%
2010 or later
24%
18%
21%
11%
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K34%
$100K–$200K30%
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: West Livingston and its comparisons
Measure
West Livingston
Under $100K
34%
$100K–$200K
30%
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49960%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: West Livingston and its comparisons
Measure
West Livingston
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
60%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,236 a month
Polk County: $1,556 a month
Without a mortgage
$518 a month
Polk County: $490 a month
Owners with a mortgage
37%
Polk County: 37%
The typical cost for an owner with a mortgage in West Livingston is $1,236 a month, less than in Polk County ($1,556); without one, $518.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
West LivingstonUnreliable
Polk County+68%
Texas+65%
United States+53%
Typical rent
West Livingston+45%
Polk County+29%
Texas+34%
United States+33%
Typical household income
West Livingston+23%
Polk County+26%
Texas+27%
United States+29%
Change since 2015–2019: West Livingston and its comparisons
Measure
West Livingston
Polk County
Texas
United States
Typical home value
Unreliable estimate
+68%
+65%
+53%
Typical rent
+45%
+29%
+34%
+33%
Typical household income
+23%
+26%
+27%
+29%
The typical rent in West Livingston rose 45% over the same time; in Polk County, it rose 29%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: West Livingston and its comparisons
Measure
West Livingston
Polk County
Texas
United States
Rental vacancy
Unreliable estimate
9.9%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
6.6%
4.8%
3.4%
People per household
2.63
2.51
2.69
2.53
Drive alone
72%
77%
71%
69%
Carpool
Unreliable estimate
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
7%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Polk County, a household in West Livingston has 2.63 people on average.
To get to work, 72% of workers in West Livingston drive alone; in Polk County, 77%.
Do the math
What would you pay each month for a home in West Livingston?
A typical home is within reach of the typical income
We start with a typical home in West Livingston, worth $153,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 25% of the typical household income in West Livingston, which is $61,943 a year.
The calculator's FHA and conventional loan limits are those of all of Polk 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 West Livingston. 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 $5,376 (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
$1,271
at 7.18% · 30 years
Loan amount
$150,818
Total interest
$216,992
Paid off in
November 2056
Includes $2,594 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,445 a month
Your payment · 25%
Tight
$1,445 to $1,858 a month
Hard
more than $1,858 a month
Compared with the typical household income in West Livingston ($61,943 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,022
Property tax
$118
Home insurance
$64
FHA mortgage insurance (MIP)
$68
You need at least $5,376 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 $1,271; principal and interest $1,022.
The city and its county
West Livingston and Polk County
West Livingston is in Polk 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).
West Livingston
Map of Polk County, Texas, with West Livingston marked. Around it, the neighboring counties.
West Livingston
Polk County
Other cities with a page
West Livingston's own numbers
Typical home value
$153,600
Typical monthly rent
$1,212
Typical yearly household income
$61,943
Households that own their home
83%
Effective property tax rate
0.92%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Polk County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,227
Price change over 5 years (FHFA)
+33%
Homes in a high flood-risk zone
7%
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 Polk County.
A typical home in West Livingston is worth $153,600: 17% below the county and 46% below Texas. With the typical household income in West Livingston ($61,943 a year), a typical home costs 2.5 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.
West Livingston2.5 years
Polk3.0 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Polk County
According to FHFA’s house price index, home prices in Polk County rose 59% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Polk County.
Yearly change in FHFA’s price index in Polk County, 2016 to 2025
2016: +6.5% +6.5% 2016
2017: +3.0% +3.0% 2017
2018: +2.0% +2.0% 2018
2019: +1.9% +1.9% 2019
2020: +5.5% +5.5% 2020
2021: +11.7% +11.7% 2021
2022: +15.0% +15.0% 2022
2023: +0.3% +0.3% 2023
2024: +3.5% +3.5% 2024
2025: −0.7% −0.7% 2025
Change in FHFA’s price index in Polk County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
−0.7%
+0.8%
+2.9%
5 years (2020–2025)
+33%
+44%
+47%
10 years (2015–2025)
+59%
+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
West Livingston next to Polk 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
West Livingston$153,600
Polk$184,800
Texas$283,800
United States$332,700
Typical monthly rent
West Livingston$1,212
Polk$987
Texas$1,403
United States$1,413
Typical yearly household income
West Livingston$61,943
Polk$62,259
Texas$78,476
United States$80,734
See the full table
West Livingston next to Polk County and Texas
Measure
West Livingston
Polk County
Texas
U.S.
Typical home value
$153,600 ▼17% below the county
$184,800
$283,800
$332,700
Typical monthly rent
$1,212 ▲23% above the county
$987
$1,403
$1,413
Typical yearly household income
$61,943
$62,259
$78,476
$80,734
Households that own their home
83% ▲5 points above the county
78%
63%
65%
Typical yearly property tax
$1,409 ▼15% below the county
$1,661
$4,232
$3,119
Effective property tax rate
0.92% ▲0.02 points above the county
0.9%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Polk 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 West Livingston
For a typical $153,600 home in West Livingston, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Livingston's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,271a month
Least cash to close
Down payment
$5,376
Cash to close
$9,984
Rate
7.18%
Mortgage insurance
FHA MIP · $68
Conventional, 5% down$1,243a month
Down payment
$7,680
Cash to close
$12,288
Rate
7.18%
Mortgage insurance
PMI · $73
Conventional, 20% down, no PMI$1,014a month
Down payment
$30,720
Cash to close
$35,328
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,156a month
Down payment
$23,040
Cash to close
$27,648
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in West Livingston
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,271
$5,376
$150,818
7.18%
FHA MIP · $68
$9,984
580
Conventional, 5% down
$1,243
$7,680
$145,920
7.18%
PMI · $73
$12,288
620*
Conventional, 20% down, no PMI
$1,014
$30,720
$122,880
7.18%
None
$35,328
620*
ITIN, 15% down (example)
$1,156
$23,040
$130,560
8.18%
None
$27,648
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 West Livingston is $1,212 a month: 23% above the county.
HUD publishes a fair market rent for all of Polk County, by unit size. To pay the 2-bedroom one ($1,227 a month) without spending more than 30% of your income, you would need to earn $23.60 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 Polk County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$933
$17.94
$37,320
1 bedroom
$938
$18.04
$37,520
2 bedrooms
$1,227
$23.60
$49,080
3 bedrooms
$1,462
$28.12
$58,480
4 bedrooms
$1,767
$33.98
$70,680
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 West Livingston
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Livingston is in ZIP code 77351.
For 2 bedrooms it is $1,250: $23 more than the fair market rent for Polk County ($1,227).
Fair market rent by ZIP code and size in West Livingston, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77351
$950
$960
$1,250
$1,490
$1,800
ZIP code2 bd3 bd
77351 $1,250$1,490
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for West Livingston 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)
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 Polk 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 West Livingston or Polk County. The ones below are statewide in Texas: they work in West Livingston 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).
The HUD-approved agencies closest to the center of West Livingston, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for West Livingston or Polk 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 West Livingston and all of Polk 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 West Livingston?
The typical home value in West Livingston is $153,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Polk County it is $184,800.
How much does it cost to rent in West Livingston?
Typical rent in West Livingston is $1,212 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Polk County is $1,227.
What is the FHA loan limit in West Livingston?
West Livingston uses the FHA limit for all of Polk 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 West Livingston?
The typical homeowner in West Livingston pays $1,409 a year, according to the U.S. Census Bureau. That is 0.92% of the home’s value; in Polk County, the rate is 0.9%.
Where can I find free help to buy or rent in West Livingston?
We found no HUD-approved counseling agencies with an office in Polk County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
