In White Oak, a typical home is worth $235,000 and typical rent is $1,194 a month. Compared with all of Gregg County, typical household income is 52% higher, the typical home value is 16% higher, and the share of households that own their home is 7 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $196,907 to $245,852.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
White Oak is in Gregg 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 Gregg County. See the county
What this place has that others do not, from public data, most unusual first.
1
The typical household income in White Oak is $101,027,52% more than in Gregg County as a whole ($66,550).
2
Nearby, in Gilmer, the typical home value is $166,700: 29% less than in White Oak ($235,000).
3
Nearby, in Gilmer, the typical rent is $986: 17% less than in White Oak ($1,194).
4
The typical home in White Oak is worth $235,000,16% more than in Gregg County as a whole ($203,400).
5
67% of households in White Oak own their home, against 60% in Gregg County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in White Oak
What homes there are in White Oak, 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
White Oak
Gregg County
Texas
United States
Kind of home: White Oak and its comparisons
Measure
White Oak
Gregg County
Texas
United States
Detached house
68%
64%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
10%
5%
8%
Apartments (5 or more)
Unreliable estimate
16%
21%
19%
Mobile home
Unreliable estimate
8%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In White Oak, 7 in 10 homes are single-family detached houses; in Gregg County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
White Oak
Gregg County
Texas
United States
Year built: White Oak and its comparisons
Measure
White Oak
Gregg County
Texas
United States
Before 1960
Unreliable estimate
15%
12%
26%
1960–1979
36%
35%
21%
24%
1980–1999
32%
28%
28%
25%
2000–2009
17%
11%
18%
14%
2010 or later
Unreliable estimate
11%
21%
11%
In White Oak, half of the homes were built before 1982; in Gregg County, before 1980.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K17%
$200K–$300K34%
$300K–$500K31%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: White Oak and its comparisons
Measure
White Oak
Under $100K
Unreliable estimate
$100K–$200K
17%
$200K–$300K
34%
$300K–$500K
31%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$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: White Oak and its comparisons
Measure
White Oak
Under $500
Unreliable
$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 estimate
$3,000 or more
Unreliable
With a mortgage
$1,802 a month
Gregg County: $1,541 a month
Without a mortgage
$601 a month
Gregg County: $563 a month
Owners with a mortgage
53%
Gregg County: 49%
In White Oak, 53% of owners have a mortgage, and their typical cost is $1,802 a month, against $1,541 in Gregg County. Without one it drops to $601.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
White Oak+37%
Gregg County+49%
Texas+65%
United States+53%
Typical rent
White OakNo clear change
Gregg County+29%
Texas+34%
United States+33%
Typical household income
White Oak+58%
Gregg County+33%
Texas+27%
United States+29%
Change since 2015–2019: White Oak and its comparisons
Measure
White Oak
Gregg County
Texas
United States
Typical home value
+37%
+49%
+65%
+53%
Typical rent
No clear change
+29%
+34%
+33%
Typical household income
+58%
+33%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in White Oak rose 37%; in Gregg County, it rose 49%.
Rent in White Oak moved so little since 2015–2019 that the Census cannot say whether it rose or fell.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: White Oak and its comparisons
Measure
White Oak
Gregg County
Texas
United States
Rental vacancy
Unreliable estimate
5.3%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.5%
4.8%
3.4%
People per household
2.97
2.51
2.69
2.53
Drive alone
87%
82%
71%
69%
Carpool
Unreliable estimate
9%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
6%
7%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Households in White Oak are bigger: 2.97 people on average; in Gregg County, 2.51.
To get to work, 87% of workers in White Oak drive alone; in Gregg County, 82%.
Do the math
What would you pay each month for a home in White Oak?
A typical home is within reach of the typical income
We start with a typical home in White Oak, worth $235,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in White Oak, which is $101,027 a year.
The calculator's FHA and conventional loan limits are those of all of Gregg 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 White Oak. 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 $8,225 (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
$1,945
at 7.18% · 30 years
Loan amount
$230,744
Total interest
$331,986
Paid off in
November 2056
Includes $3,969 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,357 a month
Your payment · 23%
Tight
$2,357 to $3,031 a month
Hard
more than $3,031 a month
Compared with the typical household income in White Oak ($101,027 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,563
Property tax
$180
Home insurance
$98
FHA mortgage insurance (MIP)
$104
You need at least $8,225 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 $1,945; principal and interest $1,563.
The city and its county
White Oak and Gregg County
White Oak is in Gregg 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).
White Oak
Map of Gregg County, Texas, with White Oak marked. Around it, the neighboring counties.
White Oak
Gregg County
Other cities with a page
White Oak's own numbers
Typical home value
$235,000
Typical monthly rent
$1,194
Typical yearly household income
$101,027
Households that own their home
67%
Effective property tax rate
0.92%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Gregg County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,232
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
1.9%
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 Gregg County.
A typical home in White Oak is worth $235,000: 16% above the county and 17% below Texas. With the typical household income in White Oak ($101,027 a year), a typical home costs 2.3 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.
White Oak2.3 years
Gregg3.1 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Gregg County
According to FHFA’s house price index, home prices in Gregg County rose 69% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Gregg County.
Yearly change in FHFA’s price index in Gregg County, 2016 to 2025
2016: +0.1% +0.1% 2016
2017: +0.8% +0.8% 2017
2018: +3.5% +3.5% 2018
2019: +3.3% +3.3% 2019
2020: +3.6% +3.6% 2020
2021: +12.0% +12.0% 2021
2022: +19.1% +19.1% 2022
2023: +7.0% +7.0% 2023
2024: +4.1% +4.1% 2024
2025: +2.1% +2.1% 2025
Change in FHFA’s price index in Gregg County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+2.1%
+0.8%
+2.9%
5 years (2020–2025)
+52%
+44%
+47%
10 years (2015–2025)
+69%
+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
White Oak next to Gregg 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
White Oak$235,000
Gregg$203,400
Texas$283,800
United States$332,700
Typical monthly rent
White Oak$1,194
Gregg$1,102
Texas$1,403
United States$1,413
Typical yearly household income
White Oak$101,027
Gregg$66,550
Texas$78,476
United States$80,734
See the full table
White Oak next to Gregg County and Texas
Measure
White Oak
Gregg County
Texas
U.S.
Typical home value
$235,000 ▲16% above the county
$203,400
$283,800
$332,700
Typical monthly rent
$1,194 ▲8% above the county
$1,102
$1,403
$1,413
Typical yearly household income
$101,027 ▲52% above the county
$66,550
$78,476
$80,734
Households that own their home
67% ▲7 points above the county
60%
63%
65%
Typical yearly property tax
$2,163 ▼9% below the county
$2,368
$4,232
$3,119
Effective property tax rate
0.92% ▼0.24 points below the county
1.16%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Gregg 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 White Oak
For a typical $235,000 home in White Oak, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, White Oak's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,945a month
Least cash to close
Down payment
$8,225
Cash to close
$15,275
Rate
7.18%
Mortgage insurance
FHA MIP · $104
Conventional, 5% down$1,902a month
Down payment
$11,750
Cash to close
$18,800
Rate
7.18%
Mortgage insurance
PMI · $112
Conventional, 20% down, no PMI$1,552a month
Down payment
$47,000
Cash to close
$54,050
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,769a month
Down payment
$35,250
Cash to close
$42,300
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in White Oak
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,945
$8,225
$230,744
7.18%
FHA MIP · $104
$15,275
580
Conventional, 5% down
$1,902
$11,750
$223,250
7.18%
PMI · $112
$18,800
620*
Conventional, 20% down, no PMI
$1,552
$47,000
$188,000
7.18%
None
$54,050
620*
ITIN, 15% down (example)
$1,769
$35,250
$199,750
8.18%
None
$42,300
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 White Oak is $1,194 a month: 8% above the county.
HUD publishes a fair market rent for all of Gregg County, by unit size. To pay the 2-bedroom one ($1,232 a month) without spending more than 30% of your income, you would need to earn $23.69 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 Gregg County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,034
$19.88
$41,360
1 bedroom
$1,041
$20.02
$41,640
2 bedrooms
$1,232
$23.69
$49,280
3 bedrooms
$1,611
$30.98
$64,440
4 bedrooms
$1,712
$32.92
$68,480
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 White Oak
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). White Oak is in ZIP code 75693.
For 2 bedrooms it is $1,320: $88 more than the fair market rent for Gregg County ($1,232).
Fair market rent by ZIP code and size in White Oak, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
75693
$1,110
$1,110
$1,320
$1,730
$1,830
ZIP code2 bd3 bd
75693 $1,320$1,730
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for White Oak 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 Gregg 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 White Oak or Gregg County. The ones below are statewide in Texas: they work in White Oak 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 White Oak or Gregg 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 White Oak and all of Gregg 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 White Oak?
The typical home value in White Oak is $235,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Gregg County it is $203,400.
How much does it cost to rent in White Oak?
Typical rent in White Oak is $1,194 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Gregg County is $1,232.
What is the FHA loan limit in White Oak?
White Oak uses the FHA limit for all of Gregg 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 White Oak?
The typical homeowner in White Oak pays $2,163 a year, according to the U.S. Census Bureau. That is 0.92% of the home’s value; in Gregg County, the rate is 1.16%.
Where can I find free help to buy or rent in White Oak?
We found no HUD-approved counseling agencies with an office in Gregg County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
