Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$121,629+2.0% YoY · prices are rising
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 19% have cut their price
Income needed to buy, per year$26,367About 0.5× the local median income ($57,106): affordable for a typical household
Days on market77 daysSlower than a year ago: buyers have time to negotiate
Next 12 months+0.5%Zillow expects prices to stay about flat
The typical home in Garza County, TX is worth $121,629, up 2.0% from a year ago. That is well below what local incomes have historically supported: fair value is about $167,591, so the area is 27.4% undervalued. It is a balanced market, leaning toward sellers: homes take about 77 days to sell, listings are down 13% from a year ago, 19% of listings have had a price cut. Zillow expects prices to rise about 0.5% over the next year. A household needs about $26,367 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 $57,106. In the latest IRS figures, 48 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
$121,629
Change in 1 year
+2.0%
Overvalued %
−27.4%
Show 7 more
Fair home value
$167,591
Change in 5 years
−22.8%
Zillow forecast, next 12 months
+0.5%
Home value to income
2.1×
Monthly mortgage payment (20% down)
$659
Income needed to afford it
$26,367
Property tax rate
1.57%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,084
Market activity
Listings vs a year ago
−13.3%
Days on market
77
Listings with a price cut
19.1%
Show 3 more
Homes for sale
13
Pending sales per 100 listings
31
Asking price per sq ft
$106
People and jobs
Median household income
$57,106
Population change (1 year)
−1.2%
Unemployment rate
11.5%
Show 4 more
Population
4,510
Income adjusted for cost of living
$62,548
Net moves in (IRS)
−48
Cost of living (US = 100)
91.3
Schools, risk and environment
School rating (1 to 10)
3.2
FEMA hazard risk score (0 to 100)
20.0
Flood risk score
3.3
Show 3 more
Wildfire risk score
83.5
Walkability (1 to 20)
5.4
Road, rail and air noise
52 dB
Questions people ask
Is Garza County, TX overvalued?
Home prices in Garza County, TX are well below what local incomes have historically supported: fair value is about $167,591, so the area is 27.4% undervalued.
Is Garza County, TX a buyer's or seller's market?
Garza County, TX is a balanced market, leaning toward sellers: homes take about 77 days to sell, listings are down 13% from a year ago, 19% of listings have had a price cut.
Are home prices going down in Garza County, TX?
Home values in Garza County, TX are up 2.0% over the last year. Zillow's forecast for the next 12 months is +0.5%.
How much do you need to earn to buy a home in Garza County, TX?
A household needs about $26,367 a year to afford the typical home in Garza County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,106.