The typical owner-occupied home in Celina is worth about $509,600, 80% above the Texas median of $283,800 and 53% above the national median of $332,700. Owners pay a median $9,514 a year in property taxes, about 1.87% of their home's value, higher than the Texas rate of 1.49%. The median household earns $170,894 a year, so the median home costs 3.0 times the median income (3.6 times for Texas). 93% of occupied homes here are lived in by their owners, and 80% of those owners still have a mortgage.
Celina at a glance
| Celina | Texas | U.S. | |
|---|---|---|---|
| Median home value | $509,600 | $283,800 | $332,700 |
| Median property tax paid per year | $9,514 | $4,232 | $3,119 |
| Property tax as a share of value | 1.87% | 1.49% | 0.94% |
| Median household income | $170,894 | $78,476 | $80,734 |
| Homes lived in by their owners | 93% | 63% | 65% |
| Owner homes with a mortgage | 80% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $3,092 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 22.6% | 21.7% | 21.0% |
| Median rent | $2,379 | $1,403 | $1,413 |
| Rent as a share of renters' income | 36.2% | 30.9% | 30.6% |
| Median year homes were built | 2015 | 1992 | 1980 |
| Vacant homes | 7.4% | 9.4% | 10.1% |
| Population | 34,268 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Celina
At this week's average 30-year rate of 7.11%, buying the median Celina home of $509,600 with 20% down costs about $3,749 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $4,598, 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 $160,669 for the 20%-down payment. That payment is 26% of the median Celina household income of $170,894; at that income and 20% down, the 28% guideline points to a home of about $542,000.
The median rent here is $2,379 a month, so owning the median home costs about $1,370 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $101,920 |
|---|---|
| Loan amount | $407,680 |
| Principal and interest | $2,742 |
| Property taxes (1.87% a year) | $794 |
| Homeowners insurance (our estimate, 0.5% a year) | $212 |
| PMI | $0 |
| Total per month | $3,749 |
Change the numbers in the calculator
| Down payment | $17,836 |
|---|---|
| Loan amount | $500,370 |
| Principal and interest | $3,366 |
| Property taxes (1.87% a year) | $794 |
| Homeowners insurance (our estimate, 0.5% a year) | $212 |
| FHA mortgage insurance | $225 |
| Total per month | $4,598 |
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Questions about home buying in Celina
What is the median home value in Celina?
About $509,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Celina?
Homeowners pay a median $9,514 a year, which is about 1.87% 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 Celina?
For the median home with 20% down at 7.11%, the payment is about $3,749 a month. Keeping that under 28% of gross income takes about $160,669 a year.
More about Celina
- Mortgage Refinance in Celina
- Debt Relief in Celina
- Home Equity Loans in Celina
- 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