Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$264,504+0.8% YoY · prices are rising
Market right nowBalanced, leaning buyersFewer homes for sale than last year, 20% have cut their price
Income needed to buy, per year$57,339About 0.8× the local median income ($71,790): affordable for a typical household
Days on market130 daysSlower than a year ago: buyers have time to negotiate
The typical home in Hamilton County, TX is worth $264,504, up 0.8% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $280,199, so the area is 5.6% undervalued. It is a balanced market, leaning toward buyers: homes take about 130 days to sell, listings are down 13% from a year ago, 20% of listings have had a price cut. A household needs about $57,339 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 $71,790. In the latest IRS figures, 236 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
$264,504
Change in 1 year
+0.8%
Overvalued %
−5.6%
Show 6 more
Fair home value
$280,199
Change in 5 years
+10.8%
Home value to income
3.7×
Monthly mortgage payment (20% down)
$1,433
Income needed to afford it
$57,339
Property tax rate
1.26%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
−12.7%
Days on market
130
Listings with a price cut
20.5%
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Homes for sale
62
Pending sales per 100 listings
11
Asking price per sq ft
$167
People and jobs
Median household income
$71,790
Population change (1 year)
−0.4%
Unemployment rate
5.4%
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Population
8,680
Income adjusted for cost of living
$81,765
Net moves in (IRS)
+236
Cost of living (US = 100)
87.8
Schools, risk and environment
School rating (1 to 10)
6.4
FEMA hazard risk score (0 to 100)
12.8
Flood risk score
17.1
Show 3 more
Wildfire risk score
84.9
Walkability (1 to 20)
6.8
Road, rail and air noise
54 dB
Questions people ask
Is Hamilton County, TX overvalued?
Home prices in Hamilton County, TX are slightly below what local incomes have historically supported: fair value is about $280,199, so the area is 5.6% undervalued.
Is Hamilton County, TX a buyer's or seller's market?
Hamilton County, TX is a balanced market, leaning toward buyers: homes take about 130 days to sell, listings are down 13% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Hamilton County, TX?
Home values in Hamilton County, TX are up 0.8% over the last year.
How much do you need to earn to buy a home in Hamilton County, TX?
A household needs about $57,339 a year to afford the typical home in Hamilton County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $71,790.