The typical owner-occupied home in Port Isabel is worth about $182,600, 36% below the Texas median of $283,800 and 45% below the national median of $332,700. Owners pay a median $2,833 a year in property taxes, about 1.55% of their home's value, close to the Texas rate of 1.49%. The median household earns $32,222 a year, so the median home costs 5.7 times the median income (3.6 times for Texas). 60% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Port Isabel at a glance
| Port Isabel | Texas | U.S. | |
|---|---|---|---|
| Median home value | $182,600 | $283,800 | $332,700 |
| Median property tax paid per year | $2,833 | $4,232 | $3,119 |
| Property tax as a share of value | 1.55% | 1.49% | 0.94% |
| Median household income | $32,222 | $78,476 | $80,734 |
| Homes lived in by their owners | 60% | 63% | 65% |
| Owner homes with a mortgage | 36% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,286 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 19.3% | 21.7% | 21.0% |
| Median rent | $748 | $1,403 | $1,413 |
| Rent as a share of renters' income | 32.7% | 30.9% | 30.6% |
| Median year homes were built | 1982 | 1992 | 1980 |
| Vacant homes | 22.3% | 9.4% | 10.1% |
| Population | 5,111 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Port Isabel
At this week's average 30-year rate of 7.11%, buying the median Port Isabel home of $182,600 with 20% down costs about $1,295 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,599, 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 $55,484 for the 20%-down payment. That payment is 48% of the median Port Isabel household income of $32,222; at that income and 20% down, the 28% guideline points to a home of about $106,000.
The median rent here is $748 a month, so owning the median home costs about $547 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $36,520 |
|---|---|
| Loan amount | $146,080 |
| Principal and interest | $983 |
| Property taxes (1.55% a year) | $236 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| PMI | $0 |
| Total per month | $1,295 |
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| Down payment | $6,391 |
|---|---|
| Loan amount | $179,293 |
| Principal and interest | $1,206 |
| Property taxes (1.55% a year) | $236 |
| Homeowners insurance (our estimate, 0.5% a year) | $76 |
| FHA mortgage insurance | $81 |
| Total per month | $1,599 |
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Questions about home buying in Port Isabel
What is the median home value in Port Isabel?
About $182,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Port Isabel?
Homeowners pay a median $2,833 a year, which is about 1.55% 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 Isabel?
For the median home with 20% down at 7.11%, the payment is about $1,295 a month. Keeping that under 28% of gross income takes about $55,484 a year.
More about Port Isabel
- Mortgage Refinance in Port Isabel
- Debt Relief in Port Isabel
- Home Equity Loans in Port Isabel
- 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