The typical owner-occupied home in Port Lavaca is worth about $128,200, 55% below the Texas median of $283,800 and 61% below the national median of $332,700. Owners pay a median $1,908 a year in property taxes, about 1.49% of their home's value, close to the Texas rate of 1.49%. The median household earns $70,123 a year, so the median home costs 1.8 times the median income (3.6 times for Texas). 70% of occupied homes here are lived in by their owners, and 43% of those owners still have a mortgage.
Port Lavaca at a glance
| Port Lavaca | Texas | U.S. | |
|---|---|---|---|
| Median home value | $128,200 | $283,800 | $332,700 |
| Median property tax paid per year | $1,908 | $4,232 | $3,119 |
| Property tax as a share of value | 1.49% | 1.49% | 0.94% |
| Median household income | $70,123 | $78,476 | $80,734 |
| Homes lived in by their owners | 70% | 63% | 65% |
| Owner homes with a mortgage | 43% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,326 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 16.4% | 21.7% | 21.0% |
| Median rent | $849 | $1,403 | $1,413 |
| Rent as a share of renters' income | 22.2% | 30.9% | 30.6% |
| Median year homes were built | 1972 | 1992 | 1980 |
| Vacant homes | 7.7% | 9.4% | 10.1% |
| Population | 11,358 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Port Lavaca
At this week's average 30-year rate of 7.11%, buying the median Port Lavaca home of $128,200 with 20% down costs about $903 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,116, 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 $38,680 for the 20%-down payment. That payment is 15% of the median Port Lavaca household income of $70,123; at that income and 20% down, the 28% guideline points to a home of about $232,000.
The median rent here is $849 a month, so owning the median home costs about $54 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $25,640 |
|---|---|
| Loan amount | $102,560 |
| Principal and interest | $690 |
| Property taxes (1.49% a year) | $159 |
| Homeowners insurance (our estimate, 0.5% a year) | $53 |
| PMI | $0 |
| Total per month | $903 |
Change the numbers in the calculator
| Down payment | $4,487 |
|---|---|
| Loan amount | $125,878 |
| Principal and interest | $847 |
| Property taxes (1.49% a year) | $159 |
| Homeowners insurance (our estimate, 0.5% a year) | $53 |
| FHA mortgage insurance | $57 |
| Total per month | $1,116 |
Change the numbers in the calculator
Questions about home buying in Port Lavaca
What is the median home value in Port Lavaca?
About $128,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Port Lavaca?
Homeowners pay a median $1,908 a year, which is about 1.49% 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 Port Lavaca?
For the median home with 20% down at 7.11%, the payment is about $903 a month. Keeping that under 28% of gross income takes about $38,680 a year.
More about Port Lavaca
- Mortgage Refinance in Port Lavaca
- Debt Relief in Port Lavaca
- Home Equity Loans in Port Lavaca
- 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