Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$136,644+17.4% YoY · prices are rising fast
Market right nowBalanced marketFewer homes for sale than last year, 31% have cut their price
Income needed to buy, per year$29,621About 0.5× the local median income ($54,002): affordable for a typical household
Days on market49 daysFaster than a year ago: sellers have the edge
The typical home in Baylor County, TX is worth $136,644, up 17.4% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $148,719, so the area is 8.1% undervalued. It is a balanced market: homes take about 49 days to sell, listings are down 4% from a year ago, 31% of listings have had a price cut. A household needs about $29,621 a year to afford the typical home here at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $54,002. In the latest IRS figures, 11 more people moved in than out.
Home value over time
Solid: typical home value · dashed: fair value (household income × the 20-year average price-to-income ratio). Sources: FHFA, Zillow, U.S. Census Bureau.
Prices and affordability
Typical home value
$136,644
Change in 1 year
+17.4%
Overvalued %
−8.1%
Show 6 more
Fair home value
$148,719
Change in 5 years
+4.7%
Home value to income
2.5×
Monthly mortgage payment (20% down)
$741
Income needed to afford it
$29,621
Property tax rate
1.25%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
−3.6%
Days on market
49
Listings with a price cut
30.8%
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Homes for sale
27
Pending sales per 100 listings
11
Asking price per sq ft
$101
People and jobs
Median household income
$54,002
Population change (1 year)
−0.3%
Unemployment rate
4.5%
Show 4 more
Population
3,472
Income adjusted for cost of living
$61,506
Net moves in (IRS)
+11
Cost of living (US = 100)
87.8
Schools, risk and environment
School rating (1 to 10)
8.9
FEMA hazard risk score (0 to 100)
17.5
Flood risk score
15.6
Show 3 more
Wildfire risk score
64.5
Walkability (1 to 20)
7.0
Road, rail and air noise
55 dB
Questions people ask
Is Baylor County, TX overvalued?
Home prices in Baylor County, TX are slightly below what local incomes have historically supported: fair value is about $148,719, so the area is 8.1% undervalued.
Is Baylor County, TX a buyer's or seller's market?
Baylor County, TX is a balanced market: homes take about 49 days to sell, listings are down 4% from a year ago, 31% of listings have had a price cut.
Are home prices going down in Baylor County, TX?
Home values in Baylor County, TX are up 17.4% over the last year.
How much do you need to earn to buy a home in Baylor County, TX?
A household needs about $29,621 a year to afford the typical home in Baylor County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $54,002.