Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$86,253+1.4% YoY · prices are rising
Market right nowBalanced marketFewer homes for sale than last year, 15% have cut their price
Income needed to buy, per year$18,698About 0.3× the local median income ($54,212): affordable for a typical household
Days on market43 daysFaster than a year ago: sellers have the edge
The typical home in Floyd County, TX is worth $86,253, up 1.4% from a year ago. That is well below what local incomes have historically supported: fair value is about $144,209, so the area is 40.2% undervalued. It is a balanced market: homes take about 43 days to sell, listings are down 18% from a year ago, 15% of listings have had a price cut. A household needs about $18,698 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 $54,212. In the latest IRS figures, 60 more people moved out than in.
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
$86,253
Change in 1 year
+1.4%
Overvalued %
−40.2%
Show 6 more
Fair home value
$144,209
Change in 5 years
−31.2%
Home value to income
1.6×
Monthly mortgage payment (20% down)
$467
Income needed to afford it
$18,698
Property tax rate
1.24%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
−18.2%
Days on market
43
Listings with a price cut
15.4%
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Homes for sale
18
Pending sales per 100 listings
6
Asking price per sq ft
$80
People and jobs
Median household income
$54,212
Population change (1 year)
−2.8%
Unemployment rate
6.0%
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Population
4,881
Income adjusted for cost of living
$61,745
Net moves in (IRS)
−60
Cost of living (US = 100)
87.8
Schools, risk and environment
School rating (1 to 10)
3.4
FEMA hazard risk score (0 to 100)
30.7
Flood risk score
11.3
Show 3 more
Wildfire risk score
73.3
Walkability (1 to 20)
5.8
Road, rail and air noise
53 dB
Questions people ask
Is Floyd County, TX overvalued?
Home prices in Floyd County, TX are well below what local incomes have historically supported: fair value is about $144,209, so the area is 40.2% undervalued.
Is Floyd County, TX a buyer's or seller's market?
Floyd County, TX is a balanced market: homes take about 43 days to sell, listings are down 18% from a year ago, 15% of listings have had a price cut.
Are home prices going down in Floyd County, TX?
Home values in Floyd County, TX are up 1.4% over the last year.
How much do you need to earn to buy a home in Floyd County, TX?
A household needs about $18,698 a year to afford the typical home in Floyd County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $54,212.