The typical owner-occupied home in Moody is worth about $168,800, 41% below the Texas median of $283,800 and 49% below the national median of $332,700. Owners pay a median $2,588 a year in property taxes, about 1.53% of their home's value, close to the Texas rate of 1.49%. The median household earns $69,750 a year, so the median home costs 2.4 times the median income (3.6 times for Texas). 77% of occupied homes here are lived in by their owners, and 60% of those owners still have a mortgage.
Moody at a glance
| Moody | Texas | U.S. | |
|---|---|---|---|
| Median home value | $168,800 | $283,800 | $332,700 |
| Median property tax paid per year | $2,588 | $4,232 | $3,119 |
| Property tax as a share of value | 1.53% | 1.49% | 0.94% |
| Median household income | $69,750 | $78,476 | $80,734 |
| Homes lived in by their owners | 77% | 63% | 65% |
| Owner homes with a mortgage | 60% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,468 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 17.7% | 21.7% | 21.0% |
| Median rent | $1,214 | $1,403 | $1,413 |
| Rent as a share of renters' income | 29.1% | 30.9% | 30.6% |
| Median year homes were built | 1973 | 1992 | 1980 |
| Vacant homes | 13.2% | 9.4% | 10.1% |
| Population | 1,390 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Moody
At this week's average 30-year rate of 7.11%, buying the median Moody home of $168,800 with 20% down costs about $1,194 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,475, 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 $51,170 for the 20%-down payment. That payment is 21% of the median Moody household income of $69,750; at that income and 20% down, the 28% guideline points to a home of about $230,000.
The median rent here is $1,214 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $33,760 |
|---|---|
| Loan amount | $135,040 |
| Principal and interest | $908 |
| Property taxes (1.53% a year) | $215 |
| Homeowners insurance (our estimate, 0.5% a year) | $70 |
| PMI | $0 |
| Total per month | $1,194 |
Change the numbers in the calculator
| Down payment | $5,908 |
|---|---|
| Loan amount | $165,743 |
| Principal and interest | $1,115 |
| Property taxes (1.53% a year) | $215 |
| Homeowners insurance (our estimate, 0.5% a year) | $70 |
| FHA mortgage insurance | $75 |
| Total per month | $1,475 |
Change the numbers in the calculator
Questions about home buying in Moody
What is the median home value in Moody?
About $168,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Moody?
Homeowners pay a median $2,588 a year, which is about 1.53% 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 Moody?
For the median home with 20% down at 7.11%, the payment is about $1,194 a month. Keeping that under 28% of gross income takes about $51,170 a year.
More about Moody
- Mortgage Refinance in Moody
- Debt Relief in Moody
- Home Equity Loans in Moody
- 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