The typical owner-occupied home in Bandera County is worth about $278,400, about the same as the Texas median of $283,800 and 16% below the national median of $332,700. Owners pay a median $2,438 a year in property taxes, about 0.88% of their home's value, lower than the Texas rate of 1.49%. The median household earns $75,813 a year, so the median home costs 3.7 times the median income (3.6 times for Texas). 86% of occupied homes here are lived in by their owners, and 43% of those owners still have a mortgage.
Bandera County at a glance
| Bandera County | Texas | U.S. | |
|---|---|---|---|
| Median home value | $278,400 | $283,800 | $332,700 |
| Median property tax paid per year | $2,438 | $4,232 | $3,119 |
| Property tax as a share of value | 0.88% | 1.49% | 0.94% |
| Median household income | $75,813 | $78,476 | $80,734 |
| Homes lived in by their owners | 86% | 63% | 65% |
| Owner homes with a mortgage | 43% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,750 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 25.0% | 21.7% | 21.0% |
| Median rent | $1,149 | $1,403 | $1,413 |
| Rent as a share of renters' income | 24.1% | 30.9% | 30.6% |
| Median year homes were built | 1997 | 1992 | 1980 |
| Vacant homes | 20.1% | 9.4% | 10.1% |
| Population | 22,021 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Bandera County
At this week's average 30-year rate of 7.11%, buying the median Bandera County home of $278,400 with 20% down costs about $1,818 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,282, 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 $77,932 for the 20%-down payment. That payment is 29% of the median Bandera County household income of $75,813; at that income and 20% down, the 28% guideline points to a home of about $271,000.
The median rent here is $1,149 a month, so owning the median home costs about $669 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $55,680 |
|---|---|
| Loan amount | $222,720 |
| Principal and interest | $1,498 |
| Property taxes (0.88% a year) | $204 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| PMI | $0 |
| Total per month | $1,818 |
Change the numbers in the calculator
| Down payment | $9,744 |
|---|---|
| Loan amount | $273,357 |
| Principal and interest | $1,839 |
| Property taxes (0.88% a year) | $204 |
| Homeowners insurance (our estimate, 0.5% a year) | $116 |
| FHA mortgage insurance | $123 |
| Total per month | $2,282 |
Change the numbers in the calculator
Questions about home buying in Bandera County
What is the median home value in Bandera County?
About $278,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bandera County?
Homeowners pay a median $2,438 a year, which is about 0.88% 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 Bandera County?
For the median home with 20% down at 7.11%, the payment is about $1,818 a month. Keeping that under 28% of gross income takes about $77,932 a year.
More about Bandera County
- Mortgage Refinance in Bandera County
- Debt Relief in Bandera County
- Home Equity Loans in Bandera County
- 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