The typical owner-occupied home in Zavalla is worth about $74,000, 74% below the Texas median of $283,800 and 78% below the national median of $332,700. Owners pay a median $982 a year in property taxes, about 1.33% of their home's value, lower than the Texas rate of 1.49%. The median household earns $53,333 a year, so the median home costs 1.4 times the median income (3.6 times for Texas). 83% of occupied homes here are lived in by their owners, and 32% of those owners still have a mortgage.
Zavalla at a glance
| Zavalla | Texas | U.S. | |
|---|---|---|---|
| Median home value | $74,000 | $283,800 | $332,700 |
| Median property tax paid per year | $982 | $4,232 | $3,119 |
| Property tax as a share of value | 1.33% | 1.49% | 0.94% |
| Median household income | $53,333 | $78,476 | $80,734 |
| Homes lived in by their owners | 83% | 63% | 65% |
| Owner homes with a mortgage | 32% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,116 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 16.6% | 21.7% | 21.0% |
| Median rent | $1,031 | $1,403 | $1,413 |
| Rent as a share of renters' income | 30.8% | 30.9% | 30.6% |
| Median year homes were built | 1988 | 1992 | 1980 |
| Vacant homes | 29.0% | 9.4% | 10.1% |
| Population | 567 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Zavalla
At this week's average 30-year rate of 7.11%, buying the median Zavalla home of $74,000 with 20% down costs about $511 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $634, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $21,904 for the 20%-down payment. That payment is 11% of the median Zavalla household income of $53,333; at that income and 20% down, the 28% guideline points to a home of about $180,000.
The median rent here is $1,031 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $14,800 |
|---|---|
| Loan amount | $59,200 |
| Principal and interest | $398 |
| Property taxes (1.33% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $31 |
| PMI | $0 |
| Total per month | $511 |
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| Down payment | $2,590 |
|---|---|
| Loan amount | $72,660 |
| Principal and interest | $489 |
| Property taxes (1.33% a year) | $82 |
| Homeowners insurance (our estimate, 0.5% a year) | $31 |
| FHA mortgage insurance | $33 |
| Total per month | $634 |
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Questions about home buying in Zavalla
What is the median home value in Zavalla?
About $74,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Zavalla?
Homeowners pay a median $982 a year, which is about 1.33% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Zavalla?
For the median home with 20% down at 7.11%, the payment is about $511 a month. Keeping that under 28% of gross income takes about $21,904 a year.
More about Zavalla
- Mortgage Refinance in Zavalla
- Debt Relief in Zavalla
- Home Equity Loans in Zavalla
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data