The typical owner-occupied home in Cass County is worth about $146,400, 48% below the Texas median of $283,800 and 56% below the national median of $332,700. Owners pay a median $1,375 a year in property taxes, about 0.94% of their home's value, lower than the Texas rate of 1.49%. The median household earns $53,813 a year, so the median home costs 2.7 times the median income (3.6 times for Texas). 77% of occupied homes here are lived in by their owners, and 36% of those owners still have a mortgage.
Cass County at a glance
| Cass County | Texas | U.S. | |
|---|---|---|---|
| Median home value | $146,400 | $283,800 | $332,700 |
| Median property tax paid per year | $1,375 | $4,232 | $3,119 |
| Property tax as a share of value | 0.94% | 1.49% | 0.94% |
| Median household income | $53,813 | $78,476 | $80,734 |
| Homes lived in by their owners | 77% | 63% | 65% |
| Owner homes with a mortgage | 36% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,351 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 19.9% | 21.7% | 21.0% |
| Median rent | $852 | $1,403 | $1,413 |
| Rent as a share of renters' income | 31.6% | 30.9% | 30.6% |
| Median year homes were built | 1980 | 1992 | 1980 |
| Vacant homes | 15.6% | 9.4% | 10.1% |
| Population | 28,568 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Cass County
At this week's average 30-year rate of 7.11%, buying the median Cass County home of $146,400 with 20% down costs about $964 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,207, 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 $41,295 for the 20%-down payment. That payment is 21% of the median Cass County household income of $53,813; at that income and 20% down, the 28% guideline points to a home of about $191,000.
The median rent here is $852 a month, so owning the median home costs about $112 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $29,280 |
|---|---|
| Loan amount | $117,120 |
| Principal and interest | $788 |
| Property taxes (0.94% a year) | $115 |
| Homeowners insurance (our estimate, 0.5% a year) | $61 |
| PMI | $0 |
| Total per month | $964 |
Change the numbers in the calculator
| Down payment | $5,124 |
|---|---|
| Loan amount | $143,748 |
| Principal and interest | $967 |
| Property taxes (0.94% a year) | $115 |
| Homeowners insurance (our estimate, 0.5% a year) | $61 |
| FHA mortgage insurance | $65 |
| Total per month | $1,207 |
Change the numbers in the calculator
Questions about home buying in Cass County
What is the median home value in Cass County?
About $146,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Cass County?
Homeowners pay a median $1,375 a year, which is about 0.94% 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 Cass County?
For the median home with 20% down at 7.11%, the payment is about $964 a month. Keeping that under 28% of gross income takes about $41,295 a year.
More about Cass County
- Mortgage Refinance in Cass County
- Debt Relief in Cass County
- Home Equity Loans in Cass 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