In West Odessa, a typical home is worth $126,300. Compared with all of Ector County, the typical home value is 37% lower, typical household income is 9% lower, and the share of households that own their home is 11 points higher.
West Odessa is in Ector 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 Ector County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical home in West Odessa is worth $126,300,37% less than in Ector County as a whole ($200,200).
2
75% of households in West Odessa own their home, against 65% in Ector County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in West Odessa
What homes there are in West Odessa, 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 Odessa
Ector County
Texas
United States
Kind of home: West Odessa and its comparisons
Measure
West Odessa
Ector County
Texas
United States
Detached house
35%
58%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
17%
21%
19%
Mobile home
57%
17%
6%
6%
Boat, RV and other
7%
2%
0%
0%
No kind of home is the majority in West Odessa; the largest group, mobile homes, adds up to 57%, against 17% in Ector County.
Year built
Before 19601960–19791980–19992000–20092010 or later
West Odessa
Ector County
Texas
United States
Year built: West Odessa and its comparisons
Measure
West Odessa
Ector County
Texas
United States
Before 1960
5%
22%
12%
26%
1960–1979
21%
23%
21%
24%
1980–1999
39%
25%
28%
25%
2000–2009
12%
10%
18%
14%
2010 or later
24%
21%
21%
11%
The typical home in West Odessa was built in 1990, 6 years after the typical one in Ector County.
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 $100K39%
$100K–$200K29%
$200K–$300K18%
$300K–$500K11%
$500K–$750KUnreliable
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: West Odessa and its comparisons
Measure
West Odessa
Under $100K
39%
$100K–$200K
29%
$200K–$300K
18%
$300K–$500K
11%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
With an FHA limit of $541,287, at least 97% of owner-occupied homes in West Odessa sit below it: they are worth less than $500,000.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99941%
$1,000–$1,49943%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: West Odessa and its comparisons
Measure
West Odessa
Under $500
Unreliable estimate
$500–$999
41%
$1,000–$1,499
43%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,792 a month
Ector County: $1,891 a month
Without a mortgage
$459 a month
Ector County: $545 a month
Owners with a mortgage
30%
Ector County: 47%
In West Odessa, 30% of owners have a mortgage, and their typical cost is $1,792 a month, against $1,891 in Ector County. Without one it drops to $459.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
West Odessa+24%
Ector County+43%
Texas+65%
United States+53%
Typical rent
West OdessaUnreliable
Ector County+19%
Texas+34%
United States+33%
Typical household income
West OdessaNo clear change
Ector County+14%
Texas+27%
United States+29%
Change since 2015–2019: West Odessa and its comparisons
Measure
West Odessa
Ector County
Texas
United States
Typical home value
+24%
+43%
+65%
+53%
Typical rent
Unreliable estimate
+19%
+34%
+33%
Typical household income
No clear change
+14%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in West Odessa rose 24%; in Ector County, it rose 43%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: West Odessa and its comparisons
Measure
West Odessa
Ector County
Texas
United States
Rental vacancy
Unreliable estimate
4.2%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
1.1%
0.9%
More than one person per room
7.6%
7.1%
4.8%
3.4%
People per household
2.67
2.52
2.69
2.53
Drive alone
85%
83%
71%
69%
Carpool
11%
11%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
Unreliable estimate
3%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Ector County, 7.6% of households in West Odessa have more than one person per room.
Households in West Odessa are bigger: 2.67 people on average; in Ector County, 2.52.
In West Odessa, 85% of workers drive alone to work; in Ector County, 83%.
Do the math
What would you pay each month for a home in West Odessa?
A typical home is within reach of the typical income
We start with a typical home in West Odessa, worth $126,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 20% of the typical household income in West Odessa, which is $65,234 a year.
The calculator's FHA and conventional loan limits are those of all of Ector 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 Odessa. 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 $4,421 (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
$1,060
at 7.18% · 30 years
Loan amount
$124,012
Total interest
$178,424
Paid off in
November 2056
Includes $2,133 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,522 a month
Your payment · 20%
Tight
$1,522 to $1,957 a month
Hard
more than $1,957 a month
Compared with the typical household income in West Odessa ($65,234 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$840
Property tax
$112
Home insurance
$53
FHA mortgage insurance (MIP)
$56
You need at least $4,421 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 $1,060; principal and interest $840.
The city and its county
West Odessa and Ector County
West Odessa is in Ector 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 Odessa
Map of Ector County, Texas, with West Odessa marked. Around it, the neighboring counties.
West Odessa
Ector County
Other cities with a page
West Odessa's own numbers
Typical home value
$126,300
Typical yearly household income
$65,234
Households that own their home
75%
Effective property tax rate
1.06%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Ector County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,522
Price change over 5 years (FHFA)
+21%
Homes in a high flood-risk zone
10%
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 Ector County.
A typical home in West Odessa is worth $126,300: 37% below the county and 55% below Texas. With the typical household income in West Odessa ($65,234 a year), a typical home costs 1.9 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.
West Odessa1.9 years
Ector2.8 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Ector County
According to FHFA’s house price index, home prices in Ector County rose 50% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Ector County.
Yearly change in FHFA’s price index in Ector County, 2016 to 2025
2016: −1.3% −1.3% 2016
2017: +1.0% +1.0% 2017
2018: +8.9% +8.9% 2018
2019: +10.9% +10.9% 2019
2020: +2.8% +2.8% 2020
2021: +1.0% +1.0% 2021
2022: +3.3% +3.3% 2022
2023: +4.1% +4.1% 2023
2024: +8.2% +8.2% 2024
2025: +3.1% +3.1% 2025
Change in FHFA’s price index in Ector County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+3.1%
+0.8%
+2.9%
5 years (2020–2025)
+21%
+44%
+47%
10 years (2015–2025)
+50%
+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 Odessa next to Ector 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 Odessa$126,300
Ector$200,200
Texas$283,800
United States$332,700
Typical yearly household income
West Odessa$65,234
Ector$71,536
Texas$78,476
United States$80,734
See the full table
West Odessa next to Ector County and Texas
Measure
West Odessa
Ector County
Texas
U.S.
Typical home value
$126,300 ▼37% below the county
$200,200
$283,800
$332,700
Typical yearly household income
$65,234 ▼9% below the county
$71,536
$78,476
$80,734
Households that own their home
75% ▲11 points above the county
65%
63%
65%
Typical yearly property tax
$1,334 ▼47% below the county
$2,538
$4,232
$3,119
Effective property tax rate
1.06% ▼0.21 points below the county
1.27%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Ector 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 Odessa
For a typical $126,300 home in West Odessa, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, West Odessa's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,060a month
Least cash to close
Down payment
$4,421
Cash to close
$8,210
Rate
7.18%
Mortgage insurance
FHA MIP · $56
Conventional, 5% down$1,037a month
Down payment
$6,315
Cash to close
$10,104
Rate
7.18%
Mortgage insurance
PMI · $60
Conventional, 20% down, no PMI$849a month
Down payment
$25,260
Cash to close
$29,049
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$965a month
Down payment
$18,945
Cash to close
$22,734
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in West Odessa
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,060
$4,421
$124,012
7.18%
FHA MIP · $56
$8,210
580
Conventional, 5% down
$1,037
$6,315
$119,985
7.18%
PMI · $60
$10,104
620*
Conventional, 20% down, no PMI
$849
$25,260
$101,040
7.18%
None
$29,049
620*
ITIN, 15% down (example)
$965
$18,945
$107,355
8.18%
None
$22,734
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.
The Census Bureau publishes no typical rent for West Odessa. Below are the fair market rents for Ector County.
HUD publishes a fair market rent for all of Ector County, by unit size. To pay the 2-bedroom one ($1,522 a month) without spending more than 30% of your income, you would need to earn $29.27 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 Ector County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,153
$22.17
$46,120
1 bedroom
$1,229
$23.63
$49,160
2 bedrooms
$1,522
$29.27
$60,880
3 bedrooms
$1,813
$34.87
$72,520
4 bedrooms
$2,083
$40.06
$83,320
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 Odessa
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). West Odessa has 2 ZIP codes with their own.
For 2 bedrooms it is $1,440 in all of them.
None is above the fair market rent for Ector County ($1,522).
Fair market rent by ZIP code and size in West Odessa, fiscal year 2027.
79763
$1,130
$1,150
$1,440
$1,730
$2,000
79764
$1,130
$1,150
$1,440
$1,730
$2,000
ZIP code2 bd3 bd
79763 $1,440$1,730
79764 $1,440$1,730
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for West Odessa 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.
There is 1 HUD-approved agency with an office in Ector County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for West Odessa or Ector County. The ones below are statewide in Texas: they work in West Odessa 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 West Odessa or Ector 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 Odessa and all of Ector 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 Odessa?
The typical home value in West Odessa is $126,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Ector County it is $200,200.
What is the FHA loan limit in West Odessa?
West Odessa uses the FHA limit for all of Ector 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 Odessa?
The typical homeowner in West Odessa pays $1,334 a year, according to the U.S. Census Bureau. That is 1.06% of the home’s value; in Ector County, the rate is 1.27%.
Where can I find free help to buy or rent in West Odessa?
There is 1 HUD-approved counseling agency with an office in Ector County. They can help you get ready to buy, with your credit, or with rent.
