Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$142,857+4.8% YoY · prices are rising fast
Market right nowBalanced, leaning buyersMore homes for sale than last year, 12% have cut their price
Income needed to buy, per year$30,968About 0.5× the local median income ($65,932): affordable for a typical household
Days on market65 daysFaster than a year ago: sellers have the edge
The typical home in Howard County, TX is worth $142,857, up 4.8% from a year ago. That is well below what local incomes have historically supported: fair value is about $187,768, so the area is 23.9% undervalued. It is a balanced market, leaning toward buyers: homes take about 65 days to sell, listings are up 14% from a year ago, 12% of listings have had a price cut. A household needs about $30,968 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 $65,932. Typical rent is $1,452 a month. In the latest IRS figures, 126 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
$142,857
Change in 1 year
+4.8%
Overvalued %
−23.9%
Show 6 more
Fair home value
$187,768
Change in 5 years
−15.1%
Home value to income
2.2×
Monthly mortgage payment (20% down)
$774
Income needed to afford it
$30,968
Property tax rate
0.95%
Rent and investing
Typical rent
$1,452
Price-to-rent ratio
8.2×
HUD Fair Market Rent, 2 bedrooms
$1,217
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Gross rental yield
12.19%
Cap rate (estimate)
7.93%
Market activity
Listings vs a year ago
+14.1%
Days on market
65
Listings with a price cut
11.8%
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Homes for sale
194
Pending sales per 100 listings
9
Asking price per sq ft
$123
People and jobs
Median household income
$65,932
Population change (1 year)
−0.2%
Unemployment rate
5.4%
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Population
30,504
Income adjusted for cost of living
$75,093
Net moves in (IRS)
−126
Cost of living (US = 100)
87.8
Schools, risk and environment
School rating (1 to 10)
4.7
FEMA hazard risk score (0 to 100)
54.8
Flood risk score
45.4
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Wildfire risk score
89.5
Walkability (1 to 20)
6.9
Road, rail and air noise
52 dB
Questions people ask
Is Howard County, TX overvalued?
Home prices in Howard County, TX are well below what local incomes have historically supported: fair value is about $187,768, so the area is 23.9% undervalued.
Is Howard County, TX a buyer's or seller's market?
Howard County, TX is a balanced market, leaning toward buyers: homes take about 65 days to sell, listings are up 14% from a year ago, 12% of listings have had a price cut.
Are home prices going down in Howard County, TX?
Home values in Howard County, TX are up 4.8% over the last year.
How much do you need to earn to buy a home in Howard County, TX?
A household needs about $30,968 a year to afford the typical home in Howard County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $65,932.