The typical owner-occupied home in Roby is worth about $45,800, 84% below the Texas median of $283,800 and 86% below the national median of $332,700. Owners pay a median $1,270 a year in property taxes, about 2.77% of their home's value, higher than the Texas rate of 1.49%. The median household earns $59,758 a year, so the median home costs 0.8 times the median income (3.6 times for Texas). 75% of occupied homes here are lived in by their owners, and 17% of those owners still have a mortgage.
Roby at a glance
| Roby | Texas | U.S. | |
|---|---|---|---|
| Median home value | $45,800 | $283,800 | $332,700 |
| Median property tax paid per year | $1,270 | $4,232 | $3,119 |
| Property tax as a share of value | 2.77% | 1.49% | 0.94% |
| Median household income | $59,758 | $78,476 | $80,734 |
| Homes lived in by their owners | 75% | 63% | 65% |
| Owner homes with a mortgage | 17% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,117 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 16.3% | 21.7% | 21.0% |
| Median rent | $593 | $1,403 | $1,413 |
| Rent as a share of renters' income | 17.5% | 30.9% | 30.6% |
| Median year homes were built | 1959 | 1992 | 1980 |
| Vacant homes | 15.4% | 9.4% | 10.1% |
| Population | 679 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Roby
At this week's average 30-year rate of 7.11%, buying the median Roby home of $45,800 with 20% down costs about $371 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $448, 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 $15,912 for the 20%-down payment. That payment is 7% of the median Roby household income of $59,758; at that income and 20% down, the 28% guideline points to a home of about $172,000.
The median rent here is $593 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $9,160 |
|---|---|
| Loan amount | $36,640 |
| Principal and interest | $246 |
| Property taxes (2.77% a year) | $106 |
| Homeowners insurance (our estimate, 0.5% a year) | $19 |
| PMI | $0 |
| Total per month | $371 |
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| Down payment | $1,603 |
|---|---|
| Loan amount | $44,970 |
| Principal and interest | $303 |
| Property taxes (2.77% a year) | $106 |
| Homeowners insurance (our estimate, 0.5% a year) | $19 |
| FHA mortgage insurance | $20 |
| Total per month | $448 |
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Questions about home buying in Roby
What is the median home value in Roby?
About $45,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Roby?
Homeowners pay a median $1,270 a year, which is about 2.77% 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 Roby?
For the median home with 20% down at 7.11%, the payment is about $371 a month. Keeping that under 28% of gross income takes about $15,912 a year.
More about Roby
- Mortgage Refinance in Roby
- Debt Relief in Roby
- Home Equity Loans in Roby
- 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