Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$290,163+2.6% YoY · prices are rising
Market right nowBuyer's marketMore homes for sale than last year, 19% have cut their price
Income needed to buy, per year$62,901About 1.0× the local median income ($66,146): affordable for a typical household
Days on market93 daysFaster than a year ago: sellers have the edge
The typical home in Rains County, TX is worth $290,163, up 2.6% from a year ago. That is slightly above what local incomes have historically supported: fair value is about $276,720, so the area is 4.9% overvalued. It is a buyer's market: homes take about 93 days to sell, listings are up 17% from a year ago, 19% of listings have had a price cut. A household needs about $62,901 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 $66,146. In the latest IRS figures, 198 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
$290,163
Change in 1 year
+2.6%
Overvalued %
+4.9%
Show 6 more
Fair home value
$276,720
Change in 5 years
+13.6%
Home value to income
4.4×
Monthly mortgage payment (20% down)
$1,573
Income needed to afford it
$62,901
Property tax rate
1.02%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
+17.0%
Days on market
93
Listings with a price cut
18.9%
Show 3 more
Homes for sale
103
Pending sales per 100 listings
15
Asking price per sq ft
$208
People and jobs
Median household income
$66,146
Population change (1 year)
+1.6%
Unemployment rate
3.3%
Show 4 more
Population
13,542
Income adjusted for cost of living
$75,337
Net moves in (IRS)
+198
Cost of living (US = 100)
87.8
Schools, risk and environment
School rating (1 to 10)
2.5
FEMA hazard risk score (0 to 100)
14.1
Flood risk score
12.5
Show 3 more
Wildfire risk score
42.5
Walkability (1 to 20)
3.9
Road, rail and air noise
54 dB
Questions people ask
Is Rains County, TX overvalued?
Home prices in Rains County, TX are slightly above what local incomes have historically supported: fair value is about $276,720, so the area is 4.9% overvalued.
Is Rains County, TX a buyer's or seller's market?
Rains County, TX is a buyer's market: homes take about 93 days to sell, listings are up 17% from a year ago, 19% of listings have had a price cut.
Are home prices going down in Rains County, TX?
Home values in Rains County, TX are up 2.6% over the last year.
How much do you need to earn to buy a home in Rains County, TX?
A household needs about $62,901 a year to afford the typical home in Rains County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $66,146.