In Yoakum, a typical home is worth $151,100 and typical rent is $931 a month. Compared with all of Lavaca County, the typical home value is 34% lower, typical household income is 26% lower, and the share of households that own their home is 24 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $211,120 to $208,843.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Yoakum is in Lavaca 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 Lavaca County. See the county
What this place has that others do not, from public data, most unusual first.
1
54% of households in Yoakum own their home, against 78% in Lavaca County.
2
The typical home in Yoakum is worth $151,100,34% less than in Lavaca County as a whole ($228,300).
3
Nearby, in Edna, the typical home value is $117,800: 22% less than in Yoakum ($151,100).
4
The typical household income in Yoakum is $46,810,26% less than in Lavaca County as a whole ($63,240).
5
Nearby, in Gonzales, the typical rent is $751: 19% less than in Yoakum ($931).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Yoakum
What homes there are in Yoakum, 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
Yoakum
Lavaca County
Texas
United States
Kind of home: Yoakum and its comparisons
Measure
Yoakum
Lavaca County
Texas
United States
Detached house
75%
77%
64%
61%
Attached house
Unreliable estimate
Unreliable estimate
3%
6%
Building of 2 to 4
10%
4%
5%
8%
Apartments (5 or more)
Unreliable estimate
Unreliable estimate
21%
19%
Mobile home
Unreliable estimate
16%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
As in Lavaca County, most homes in Yoakum are detached houses (75%).
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Yoakum
Lavaca County
Texas
United States
Year built: Yoakum and its comparisons
Measure
Yoakum
Lavaca County
Texas
United States
Before 1960
39%
31%
12%
26%
1960–1979
27%
23%
21%
24%
1980–1999
25%
22%
28%
25%
2000–2009
Unreliable estimate
9%
18%
14%
2010 or later
Unreliable estimate
16%
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–$200K29%
$200K–$300K25%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Yoakum and its comparisons
Measure
Yoakum
Under $100K
34%
$100K–$200K
29%
$200K–$300K
25%
$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–$99955%
$1,000–$1,49927%
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Yoakum and its comparisons
Measure
Yoakum
Under $500
Unreliable estimate
$500–$999
55%
$1,000–$1,499
27%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,526 a month
Lavaca County: $1,654 a month
Without a mortgage
$489 a month
Lavaca County: $485 a month
Owners with a mortgage
41%
Lavaca County: 37%
In Yoakum, 41% of owners have a mortgage, and their typical cost is $1,526 a month, against $1,654 in Lavaca County. Without one it drops to $489.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Yoakum+81%
Lavaca County+41%
Texas+65%
United States+53%
Typical rent
Yoakum+31%
Lavaca County+21%
Texas+34%
United States+33%
Typical household income
YoakumNo clear change
Lavaca County+16%
Texas+27%
United States+29%
Change since 2015–2019: Yoakum and its comparisons
Measure
Yoakum
Lavaca County
Texas
United States
Typical home value
+81%
+41%
+65%
+53%
Typical rent
+31%
+21%
+34%
+33%
Typical household income
No clear change
+16%
+27%
+29%
The typical home value in Yoakum rose 81% since 2015–2019, more than in Lavaca County (41%).
Since 2015–2019, the typical rent in Yoakum rose 31%, more than in Lavaca County (21%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Yoakum and its comparisons
Measure
Yoakum
Lavaca County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
Unreliable estimate
3.7%
4.8%
3.4%
People per household
2.45
2.37
2.69
2.53
Drive alone
70%
81%
71%
69%
Carpool
17%
8%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
Unreliable estimate
2%
3%
Work from home
Unreliable estimate
10%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
A household in Yoakum has 2.45 people on average, about the same as in Lavaca County (2.37).
Carpooling is common in Yoakum: 17% of workers get to work that way, against 8% in Lavaca County.
Do the math
What would you pay each month for a home in Yoakum?
A typical home is tight for the typical income
We start with a typical home in Yoakum, worth $151,100, 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 Yoakum, which is $46,810 a year. For that payment to be 28% of income, a household would need to earn about $53,979 a year.
The calculator's FHA and conventional loan limits are those of all of Lavaca 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 Yoakum. 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 $5,289 (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
$1,260
at 7.18% · 30 years
Loan amount
$148,363
Total interest
$213,459
Paid off in
November 2056
Includes $2,552 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,092 a month
Tight
$1,092 to $1,404 a month
Your payment · 32%
Hard
more than $1,404 a month
Compared with the typical household income in Yoakum ($46,810 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,005
Property tax
$125
Home insurance
$63
FHA mortgage insurance (MIP)
$67
You need at least $5,289 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 $1,260; principal and interest $1,005.
The city and its county
Yoakum and Lavaca County
Yoakum is in Lavaca 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).
Yoakum
Map of Lavaca County, Texas, with Yoakum marked. Around it, the neighboring counties.
Yoakum
Lavaca County
Other cities with a page
Yoakum's own numbers
Typical home value
$151,100
Typical monthly rent
$931
Typical yearly household income
$46,810
Households that own their home
54%
Effective property tax rate
0.99%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Lavaca County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,086
Price change over 5 years (FHFA)
+59%
Homes in a high flood-risk zone
5.2%
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 Lavaca County.
A typical home in Yoakum is worth $151,100: 34% below the county and 47% below Texas. With the typical household income in Yoakum ($46,810 a year), a typical home costs 3.2 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.
Yoakum3.2 years
Lavaca3.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Lavaca County
According to FHFA’s house price index, home prices in Lavaca County rose 91% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Lavaca County.
Yearly change in FHFA’s price index in Lavaca County, 2016 to 2025
2016: +1.3% +1.3% 2016
2017: +2.7% +2.7% 2017
2018: +9.1% +9.1% 2018
2019: +6.2% +6.2% 2019
2020: −0.1% −0.1% 2020
2021: +11.4% +11.4% 2021
2022: +11.8% +11.8% 2022
2023: +15.4% +15.4% 2023
2024: +2.2% +2.2% 2024
2025: +8.1% +8.1% 2025
Change in FHFA’s price index in Lavaca County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+8.1%
+0.8%
+2.9%
5 years (2020–2025)
+59%
+44%
+47%
10 years (2015–2025)
+91%
+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
Yoakum next to Lavaca 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
Yoakum$151,100
Lavaca$228,300
Texas$283,800
United States$332,700
Typical monthly rent
Yoakum$931
Lavaca$910
Texas$1,403
United States$1,413
Typical yearly household income
Yoakum$46,810
Lavaca$63,240
Texas$78,476
United States$80,734
See the full table
Yoakum next to Lavaca County and Texas
Measure
Yoakum
Lavaca County
Texas
U.S.
Typical home value
$151,100 ▼34% below the county
$228,300
$283,800
$332,700
Typical monthly rent
$931 ▲2% above the county
$910
$1,403
$1,413
Typical yearly household income
$46,810 ▼26% below the county
$63,240
$78,476
$80,734
Households that own their home
54% ▼24 points below the county
78%
63%
65%
Typical yearly property tax
$1,494 ▼27% below the county
$2,041
$4,232
$3,119
Effective property tax rate
0.99% ▲0.1 points above the county
0.89%
1.49%
0.94%
Renters with high rent for their income
47% ▲5 points above the county
42%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Lavaca 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 Yoakum
For a typical $151,100 home in Yoakum, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yoakum's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,260a month
Least cash to close
Down payment
$5,289
Cash to close
$9,822
Rate
7.18%
Mortgage insurance
FHA MIP · $67
Conventional, 5% down$1,232a month
Down payment
$7,555
Cash to close
$12,088
Rate
7.18%
Mortgage insurance
PMI · $72
Conventional, 20% down, no PMI$1,006a month
Down payment
$30,220
Cash to close
$34,753
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,146a month
Down payment
$22,665
Cash to close
$27,198
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Yoakum
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,260
$5,289
$148,363
7.18%
FHA MIP · $67
$9,822
580
Conventional, 5% down
$1,232
$7,555
$143,545
7.18%
PMI · $72
$12,088
620*
Conventional, 20% down, no PMI
$1,006
$30,220
$120,880
7.18%
None
$34,753
620*
ITIN, 15% down (example)
$1,146
$22,665
$128,435
8.18%
None
$27,198
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 Yoakum is $931 a month: 2% above the county. In Yoakum, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Lavaca County, by unit size. To pay the 2-bedroom one ($1,086 a month) without spending more than 30% of your income, you would need to earn $20.88 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 Lavaca County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$825
$15.87
$33,000
1 bedroom
$913
$17.56
$36,520
2 bedrooms
$1,086
$20.88
$43,440
3 bedrooms
$1,294
$24.88
$51,760
4 bedrooms
$1,815
$34.90
$72,600
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 Yoakum
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yoakum is in ZIP code 77995.
For 2 bedrooms it is $1,300: $214 more than the fair market rent for Lavaca County ($1,086).
Fair market rent by ZIP code and size in Yoakum, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
77995
$1,040
$1,040
$1,300
$1,560
$1,720
ZIP code2 bd3 bd
77995 $1,300$1,560
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Yoakum 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 Lavaca 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 Yoakum or Lavaca County. The ones below are statewide in Texas: they work in Yoakum 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 Yoakum or Lavaca 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 Yoakum and all of Lavaca 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 Yoakum?
The typical home value in Yoakum is $151,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Lavaca County it is $228,300.
How much does it cost to rent in Yoakum?
Typical rent in Yoakum is $931 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Lavaca County is $1,086.
What is the FHA loan limit in Yoakum?
Yoakum uses the FHA limit for all of Lavaca 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 Yoakum?
The typical homeowner in Yoakum pays $1,494 a year, according to the U.S. Census Bureau. That is 0.99% of the home’s value; in Lavaca County, the rate is 0.89%.
Where can I find free help to buy or rent in Yoakum?
We found no HUD-approved counseling agencies with an office in Lavaca County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
