The typical owner-occupied home in Chilton is worth about $213,000, 25% below the Texas median of $283,800 and 36% below the national median of $332,700. Owners pay a median $964 a year in property taxes, about 0.45% of their home's value, lower than the Texas rate of 1.49%. The median household earns $93,875 a year, so the median home costs 2.3 times the median income (3.6 times for Texas). 82% of occupied homes here are lived in by their owners, and 6% of those owners still have a mortgage.
Chilton at a glance
| Chilton | Texas | U.S. | |
|---|---|---|---|
| Median home value | $213,000 | $283,800 | $332,700 |
| Median property tax paid per year | $964 | $4,232 | $3,119 |
| Property tax as a share of value | 0.45% | 1.49% | 0.94% |
| Median household income | $93,875 | $78,476 | $80,734 |
| Homes lived in by their owners | 82% | 63% | 65% |
| Owner homes with a mortgage | 6% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 1961 | 1992 | 1980 |
| Vacant homes | 11.0% | 9.4% | 10.1% |
| Population | 698 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Chilton
At this week's average 30-year rate of 7.11%, buying the median Chilton home of $213,000 with 20% down costs about $1,315 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,670, 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 $56,354 for the 20%-down payment. That payment is 17% of the median Chilton household income of $93,875; at that income and 20% down, the 28% guideline points to a home of about $355,000.
| Down payment | $42,600 |
|---|---|
| Loan amount | $170,400 |
| Principal and interest | $1,146 |
| Property taxes (0.45% a year) | $80 |
| Homeowners insurance (our estimate, 0.5% a year) | $89 |
| PMI | $0 |
| Total per month | $1,315 |
Change the numbers in the calculator
| Down payment | $7,455 |
|---|---|
| Loan amount | $209,142 |
| Principal and interest | $1,407 |
| Property taxes (0.45% a year) | $80 |
| Homeowners insurance (our estimate, 0.5% a year) | $89 |
| FHA mortgage insurance | $94 |
| Total per month | $1,670 |
Change the numbers in the calculator
Questions about home buying in Chilton
What is the median home value in Chilton?
About $213,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Chilton?
Homeowners pay a median $964 a year, which is about 0.45% 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 Chilton?
For the median home with 20% down at 7.11%, the payment is about $1,315 a month. Keeping that under 28% of gross income takes about $56,354 a year.
More about Chilton
- Mortgage Refinance in Chilton
- Debt Relief in Chilton
- Home Equity Loans in Chilton
- 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