Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$161,246+8.0% YoY · prices are rising fast
Market right nowBalanced, leaning sellersFewer homes for sale than last year, 19% have cut their price
Income needed to buy, per year$34,955About 0.7× the local median income ($52,639): affordable for a typical household
Days on market116 daysSlower than a year ago: buyers have time to negotiate
The typical home in McCulloch County, TX is worth $161,246, up 8.0% from a year ago. That is slightly below what local incomes have historically supported: fair value is about $174,823, so the area is 7.8% undervalued. It is a balanced market, leaning toward sellers: homes take about 116 days to sell, listings are down 17% from a year ago, 19% of listings have had a price cut. A household needs about $34,955 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 $52,639. In the latest IRS figures, 115 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
$161,246
Change in 1 year
+8.0%
Overvalued %
−7.8%
Show 6 more
Fair home value
$174,823
Change in 5 years
+2.7%
Home value to income
3.1×
Monthly mortgage payment (20% down)
$874
Income needed to afford it
$34,955
Property tax rate
0.99%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,067
Market activity
Listings vs a year ago
−16.9%
Days on market
116
Listings with a price cut
19.4%
Show 3 more
Homes for sale
49
Pending sales per 100 listings
16
Asking price per sq ft
$130
People and jobs
Median household income
$52,639
Population change (1 year)
−0.0%
Unemployment rate
9.0%
Show 4 more
Population
7,472
Income adjusted for cost of living
$59,953
Net moves in (IRS)
−115
Cost of living (US = 100)
87.8
Schools, risk and environment
School rating (1 to 10)
5.8
FEMA hazard risk score (0 to 100)
10.1
Flood risk score
16.8
Show 3 more
Wildfire risk score
69.3
Walkability (1 to 20)
7.0
Road, rail and air noise
53 dB
Questions people ask
Is McCulloch County, TX overvalued?
Home prices in McCulloch County, TX are slightly below what local incomes have historically supported: fair value is about $174,823, so the area is 7.8% undervalued.
Is McCulloch County, TX a buyer's or seller's market?
McCulloch County, TX is a balanced market, leaning toward sellers: homes take about 116 days to sell, listings are down 17% from a year ago, 19% of listings have had a price cut.
Are home prices going down in McCulloch County, TX?
Home values in McCulloch County, TX are up 8.0% over the last year.
How much do you need to earn to buy a home in McCulloch County, TX?
A household needs about $34,955 a year to afford the typical home in McCulloch County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $52,639.