Data through September 2026 · updated 2026-11-07 · free, from Zillow, Realtor.com, the Census Bureau and other public sources
Typical home value$154,661+0.7% YoY · prices are rising
Market right nowBalanced marketFewer homes for sale than last year, 20% have cut their price
Income needed to buy, per year$33,527About 0.6× the local median income ($57,983): affordable for a typical household
Days on market118 daysSlower than a year ago: buyers have time to negotiate
The typical home in Stephens County, TX is worth $154,661, up 0.7% from a year ago. That is well below what local incomes have historically supported: fair value is about $200,461, so the area is 22.8% undervalued. It is a balanced market: homes take about 118 days to sell, listings are down 21% from a year ago, 20% of listings have had a price cut. A household needs about $33,527 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 $57,983. In the latest IRS figures, 18 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
$154,661
Change in 1 year
+0.7%
Overvalued %
−22.8%
Show 6 more
Fair home value
$200,461
Change in 5 years
−13.0%
Home value to income
2.7×
Monthly mortgage payment (20% down)
$838
Income needed to afford it
$33,527
Property tax rate
1.48%
Rent and investing
HUD Fair Market Rent, 2 bedrooms
$1,014
Market activity
Listings vs a year ago
−21.4%
Days on market
118
Listings with a price cut
20.0%
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Homes for sale
55
Pending sales per 100 listings
11
Asking price per sq ft
$137
People and jobs
Median household income
$57,983
Population change (1 year)
−0.4%
Unemployment rate
5.5%
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Population
9,380
Income adjusted for cost of living
$66,040
Net moves in (IRS)
+18
Cost of living (US = 100)
87.8
Schools, risk and environment
School rating (1 to 10)
5.1
FEMA hazard risk score (0 to 100)
9.2
Flood risk score
18.7
Show 3 more
Wildfire risk score
76.0
Walkability (1 to 20)
7.0
Road, rail and air noise
51 dB
Questions people ask
Is Stephens County, TX overvalued?
Home prices in Stephens County, TX are well below what local incomes have historically supported: fair value is about $200,461, so the area is 22.8% undervalued.
Is Stephens County, TX a buyer's or seller's market?
Stephens County, TX is a balanced market: homes take about 118 days to sell, listings are down 21% from a year ago, 20% of listings have had a price cut.
Are home prices going down in Stephens County, TX?
Home values in Stephens County, TX are up 0.7% over the last year.
How much do you need to earn to buy a home in Stephens County, TX?
A household needs about $33,527 a year to afford the typical home in Stephens County, TX at today's 7.18% mortgage rate (20% down, payment at 30% of income); the median household earns $57,983.