Cost of homeownership in Texas
State averages from Census ACS, energy costs from DOE EIA, and appreciation from FHFA. County-level detail is below.
Avg home value
$158,253
Avg property tax
$2,075
Homeownership rate
72.3%
1yr appreciation
-0.8%
Home price trend
FHFA House Price Index, quarterly.
Most expensive counties
- 1.Kendall County$464,100
- 2.Travis County$444,800
- 3.Collin County$411,100
- 4.Gillespie County$399,400
- 5.Denton County$377,000
- 6.Williamson County$370,100
- 7.Comal County$369,400
- 8.Rockwall County$363,500
- 9.Hays County$335,700
- 10.Fort Bend County$329,600
Most affordable counties
- 1.Yoakum County9.0%
- 2.Winkler County9.0%
- 3.Martin County9.0%
- 4.Glasscock County9.0%
- 5.Borden County9.0%
- 6.King County9.0%
- 7.Loving County9.0%
- 8.Crane County10.1%
- 9.Fisher County11.0%
- 10.Real County11.2%
Avg electricity
15.5¢/kWh
DOE EIA residential average.
Avg annual energy cost
$1,671
Residential baseline.
Avg mortgage interest deduction
$20,948
IRS SOI · TY 2022, state-level avg.
All counties in Texas
- Harris County
- Dallas County
- Tarrant County
- Bexar County
- Travis County
- Collin County
- Denton County
- Hidalgo County
- El Paso County
- Fort Bend County
- Montgomery County
- Williamson County
- Cameron County
- Brazoria County
- Bell County
- Nueces County
- Galveston County
- Lubbock County
- Webb County
- McLennan County
- Jefferson County
- Hays County
- Smith County
- Brazos County
- Ellis County
- Johnson County
- Guadalupe County
- Midland County
- Comal County
- Ector County
- Parker County
- Kaufman County
- Taylor County
- Randall County
- Grayson County
- Wichita County
- Gregg County
- Tom Green County
- Potter County
- Rockwall County
- Hunt County
- Bastrop County
- Liberty County
- Bowie County
- Victoria County
- Angelina County
- Orange County
- Coryell County
- Henderson County
- Walker County
- Wise County
- Harrison County
- San Patricio County
- Starr County
- Nacogdoches County
- Hood County
- Van Zandt County
- Anderson County
- Maverick County
- Waller County
- Hardin County
- Navarro County
- Kerr County
- Rusk County
- Medina County
- Cherokee County
- Polk County
- Wilson County
- Lamar County
- Burnet County
- Atascosa County
- Val Verde County
- Chambers County
- Caldwell County
- Kendall County
- Wood County
- Erath County
- Cooke County
- Wharton County
- Upshur County
- Jim Wells County
- Brown County
- Hopkins County
- Matagorda County
- Hill County
- Fannin County
- Washington County
- Howard County
- Jasper County
- Hale County
- Titus County
- Bee County
- Kleberg County
- Austin County
- Grimes County
- Cass County
- Palo Pinto County
- San Jacinto County
- Gillespie County
- Milam County
- Uvalde County
- Fayette County
- Shelby County
- Aransas County
- Panola County
- Limestone County
- Houston County
- Lampasas County
- Llano County
- Gaines County
- Hockley County
- Moore County
- Gray County
- Bandera County
- Hutchinson County
- Colorado County
- Lavaca County
- Willacy County
- Montague County
- Calhoun County
- Tyler County
- DeWitt County
- Jones County
- Gonzales County
- Freestone County
- Deaf Smith County
- Bosque County
- Andrews County
- Frio County
- Burleson County
- Young County
- Eastland County
- Lee County
- Falls County
- Robertson County
- Scurry County
- Leon County
- Pecos County
- Jackson County
- Karnes County
- Nolan County
- Reeves County
- Zapata County
- Callahan County
- Trinity County
- Comanche County
- Madison County
- Lamb County
- Wilbarger County
- Camp County
- Dawson County
- Newton County
- Rains County
- Morris County
- Terry County
- Red River County
- Blanco County
- Live Oak County
- Ward County
- Franklin County
- Clay County
- Sabine County
- Duval County
- Ochiltree County
- Runnels County
- Parmer County
- Zavala County
- Marion County
- Brewster County
- Somervell County
- Stephens County
- Mitchell County
- Dimmit County
- Archer County
- Jack County
- Hamilton County
- San Augustine County
- Coleman County
- McCulloch County
- Yoakum County
- Winkler County
- Castro County
- Dallam County
- Goliad County
- Brooks County
- Swisher County
- La Salle County
- Bailey County
- Childress County
- Refugio County
- Presidio County
- Carson County
- San Saba County
- Garza County
- Lynn County
- Haskell County
- Floyd County
- Hartley County
- Delta County
- Hansford County
- Martin County
- Crosby County
- Wheeler County
- Jim Hogg County
- Crane County
- Mills County
- Kimble County
- Mason County
- Fisher County
- Hardeman County
- Baylor County
- Hemphill County
- Sutton County
- Knox County
- Hudspeth County
- Reagan County
- Coke County
- Donley County
- Upton County
- Concho County
- Kinney County
- Shackelford County
- Lipscomb County
- Crockett County
- Collingsworth County
- Hall County
- Real County
- Cochran County
- Schleicher County
- Sherman County
- Culberson County
- Oldham County
- Jeff Davis County
- Menard County
- Armstrong County
- Cottle County
- Dickens County
- Irion County
- Throckmorton County
- Sterling County
- Edwards County
- Stonewall County
- Briscoe County
- Motley County
- Foard County
- Glasscock County
- Terrell County
- Roberts County
- Borden County
- McMullen County
- Kent County
- King County
- Kenedy County
- Loving County
Frequently asked questions
How much does it cost to own a home in Texas?
Based on Census ACS, the state average home value in Texas is $158,253, with median annual property tax around $2,075. Your actual cost depends on county and property.
What is the property tax in Texas?
Property tax rates vary by county. Texas's state average sits at roughly $2,075 per year on a median home. See county-level pages for local rates.
How fast are home prices appreciating in Texas?
FHFA House Price Index data shows Texas appreciating -0.8% over the last year and 35.6% over the last five years.
Is homeownership high in Texas?
Texas's homeownership rate is 72.3% (Census ACS). The share of owner-occupied units varies widely across counties.
Data sources
Disclaimer. HomeRule is not a real estate agent, lender, appraiser, or financial advisor. This content is for educational and informational purposes only. Actual costs vary significantly by property, location, and individual circumstances. Consult qualified professionals for personalized advice.