The typical owner-occupied home in Round Top is worth about $854,200, 3.0 times the Texas median of $283,800 and 2.6 times the national median of $332,700. Owners pay a median $8,438 a year in property taxes, about 0.99% of their home's value, lower than the Texas rate of 1.49%. The median household earns $150,000 a year, so the median home costs 5.7 times the median income (3.6 times for Texas). 86% of occupied homes here are lived in by their owners, and 47% of those owners still have a mortgage.
Round Top at a glance
| Round Top | Texas | U.S. | |
|---|---|---|---|
| Median home value | $854,200 | $283,800 | $332,700 |
| Median property tax paid per year | $8,438 | $4,232 | $3,119 |
| Property tax as a share of value | 0.99% | 1.49% | 0.94% |
| Median household income | $150,000 | $78,476 | $80,734 |
| Homes lived in by their owners | 86% | 63% | 65% |
| Owner homes with a mortgage | 47% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $3,500 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 20.0% | 21.7% | 21.0% |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 1983 | 1992 | 1980 |
| Vacant homes | 40.5% | 9.4% | 10.1% |
| Population | 105 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Round Top
At this week's average 30-year rate of 7.11%, buying the median Round Top home of $854,200 with 20% down costs about $5,658 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $7,218, 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 $242,470 for the 20%-down payment. That payment is 45% of the median Round Top household income of $150,000; at that income and 20% down, the 28% guideline points to a home of about $528,000.
| Down payment | $170,840 |
|---|---|
| Loan amount | $683,360 |
| Principal and interest | $4,597 |
| Property taxes (0.99% a year) | $705 |
| Homeowners insurance (our estimate, 0.5% a year) | $356 |
| PMI | $0 |
| Total per month | $5,658 |
Change the numbers in the calculator
| Down payment | $29,897 |
|---|---|
| Loan amount | $838,728 |
| Principal and interest | $5,642 |
| Property taxes (0.99% a year) | $705 |
| Homeowners insurance (our estimate, 0.5% a year) | $356 |
| FHA mortgage insurance | $515 |
| Total per month | $7,218 |
Change the numbers in the calculator
Questions about home buying in Round Top
What is the median home value in Round Top?
About $854,200 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Round Top?
Homeowners pay a median $8,438 a year, which is about 0.99% 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 Round Top?
For the median home with 20% down at 7.11%, the payment is about $5,658 a month. Keeping that under 28% of gross income takes about $242,470 a year.
More about Round Top
- Mortgage Refinance in Round Top
- Debt Relief in Round Top
- Home Equity Loans in Round Top
- 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