The typical owner-occupied home in Hart is worth about $52,200, 82% below the Texas median of $283,800 and 84% below the national median of $332,700. Owners pay a median $364 a year in property taxes, about 0.70% of their home's value, lower than the Texas rate of 1.49%. The median household earns $46,354 a year, so the median home costs 1.1 times the median income (3.6 times for Texas). 78% of occupied homes here are lived in by their owners, and 3% of those owners still have a mortgage.
Hart at a glance
| Hart | Texas | U.S. | |
|---|---|---|---|
| Median home value | $52,200 | $283,800 | $332,700 |
| Median property tax paid per year | $364 | $4,232 | $3,119 |
| Property tax as a share of value | 0.70% | 1.49% | 0.94% |
| Median household income | $46,354 | $78,476 | $80,734 |
| Homes lived in by their owners | 78% | 63% | 65% |
| Owner homes with a mortgage | 3% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | $883 | $1,403 | $1,413 |
| Rent as a share of renters' income | 25.0% | 30.9% | 30.6% |
| Median year homes were built | 1969 | 1992 | 1980 |
| Vacant homes | 30.7% | 9.4% | 10.1% |
| Population | 919 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Hart
At this week's average 30-year rate of 7.11%, buying the median Hart home of $52,200 with 20% down costs about $333 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $420, 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 $14,277 for the 20%-down payment. That payment is 9% of the median Hart household income of $46,354; at that income and 20% down, the 28% guideline points to a home of about $169,000.
The median rent here is $883 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $10,440 |
|---|---|
| Loan amount | $41,760 |
| Principal and interest | $281 |
| Property taxes (0.70% a year) | $30 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| PMI | $0 |
| Total per month | $333 |
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| Down payment | $1,827 |
|---|---|
| Loan amount | $51,255 |
| Principal and interest | $345 |
| Property taxes (0.70% a year) | $30 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| FHA mortgage insurance | $23 |
| Total per month | $420 |
Change the numbers in the calculator
Questions about home buying in Hart
What is the median home value in Hart?
About $52,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Hart?
Homeowners pay a median $364 a year, which is about 0.70% 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 Hart?
For the median home with 20% down at 7.11%, the payment is about $333 a month. Keeping that under 28% of gross income takes about $14,277 a year.
More about Hart
- Mortgage Refinance in Hart
- Debt Relief in Hart
- Home Equity Loans in Hart
- 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