The typical owner-occupied home in Caldwell County is worth about $240,500, 15% below the Texas median of $283,800 and 28% below the national median of $332,700. Owners pay a median $3,235 a year in property taxes, about 1.35% of their home's value, lower than the Texas rate of 1.49%. The median household earns $69,758 a year, so the median home costs 3.4 times the median income (3.6 times for Texas). 75% of occupied homes here are lived in by their owners, and 49% of those owners still have a mortgage.
Caldwell County at a glance
| Caldwell County | Texas | U.S. | |
|---|---|---|---|
| Median home value | $240,500 | $283,800 | $332,700 |
| Median property tax paid per year | $3,235 | $4,232 | $3,119 |
| Property tax as a share of value | 1.35% | 1.49% | 0.94% |
| Median household income | $69,758 | $78,476 | $80,734 |
| Homes lived in by their owners | 75% | 63% | 65% |
| Owner homes with a mortgage | 49% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,678 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 22.8% | 21.7% | 21.0% |
| Median rent | $1,173 | $1,403 | $1,413 |
| Rent as a share of renters' income | 28.4% | 30.9% | 30.6% |
| Median year homes were built | 1991 | 1992 | 1980 |
| Vacant homes | 5.3% | 9.4% | 10.1% |
| Population | 48,669 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Caldwell County
At this week's average 30-year rate of 7.11%, buying the median Caldwell County home of $240,500 with 20% down costs about $1,665 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,066, 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 $71,360 for the 20%-down payment. That payment is 29% of the median Caldwell County household income of $69,758; at that income and 20% down, the 28% guideline points to a home of about $235,000.
The median rent here is $1,173 a month, so owning the median home costs about $492 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $48,100 |
|---|---|
| Loan amount | $192,400 |
| Principal and interest | $1,294 |
| Property taxes (1.35% a year) | $271 |
| Homeowners insurance (our estimate, 0.5% a year) | $100 |
| PMI | $0 |
| Total per month | $1,665 |
Change the numbers in the calculator
| Down payment | $8,418 |
|---|---|
| Loan amount | $236,144 |
| Principal and interest | $1,589 |
| Property taxes (1.35% a year) | $271 |
| Homeowners insurance (our estimate, 0.5% a year) | $100 |
| FHA mortgage insurance | $106 |
| Total per month | $2,066 |
Change the numbers in the calculator
Questions about home buying in Caldwell County
What is the median home value in Caldwell County?
About $240,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Caldwell County?
Homeowners pay a median $3,235 a year, which is about 1.35% 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 Caldwell County?
For the median home with 20% down at 7.11%, the payment is about $1,665 a month. Keeping that under 28% of gross income takes about $71,360 a year.
More about Caldwell County
- Mortgage Refinance in Caldwell County
- Debt Relief in Caldwell County
- Home Equity Loans in Caldwell 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