The typical owner-occupied home in La Joya is worth about $108,000, 62% below the Texas median of $283,800 and 68% below the national median of $332,700. Owners pay a median $2,052 a year in property taxes, about 1.90% of their home's value, higher than the Texas rate of 1.49%. The median household earns $53,526 a year, so the median home costs 2.0 times the median income (3.6 times for Texas). 53% of occupied homes here are lived in by their owners, and 38% of those owners still have a mortgage.
La Joya at a glance
| La Joya | Texas | U.S. | |
|---|---|---|---|
| Median home value | $108,000 | $283,800 | $332,700 |
| Median property tax paid per year | $2,052 | $4,232 | $3,119 |
| Property tax as a share of value | 1.90% | 1.49% | 0.94% |
| Median household income | $53,526 | $78,476 | $80,734 |
| Homes lived in by their owners | 53% | 63% | 65% |
| Owner homes with a mortgage | 38% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,279 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 18.6% | 21.7% | 21.0% |
| Median rent | $884 | $1,403 | $1,413 |
| Rent as a share of renters' income | 18.4% | 30.9% | 30.6% |
| Median year homes were built | 1996 | 1992 | 1980 |
| Vacant homes | 19.8% | 9.4% | 10.1% |
| Population | 4,763 | 30,188,424 | 334,922,499 |
What a typical home costs per month in La Joya
At this week's average 30-year rate of 7.11%, buying the median La Joya home of $108,000 with 20% down costs about $797 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $977, 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 $34,167 for the 20%-down payment. That payment is 18% of the median La Joya household income of $53,526; at that income and 20% down, the 28% guideline points to a home of about $169,000.
The median rent here is $884 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $21,600 |
|---|---|
| Loan amount | $86,400 |
| Principal and interest | $581 |
| Property taxes (1.90% a year) | $171 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| PMI | $0 |
| Total per month | $797 |
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| Down payment | $3,780 |
|---|---|
| Loan amount | $106,044 |
| Principal and interest | $713 |
| Property taxes (1.90% a year) | $171 |
| Homeowners insurance (our estimate, 0.5% a year) | $45 |
| FHA mortgage insurance | $48 |
| Total per month | $977 |
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Questions about home buying in La Joya
What is the median home value in La Joya?
About $108,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in La Joya?
Homeowners pay a median $2,052 a year, which is about 1.90% 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 La Joya?
For the median home with 20% down at 7.11%, the payment is about $797 a month. Keeping that under 28% of gross income takes about $34,167 a year.
More about La Joya
- Mortgage Refinance in La Joya
- Debt Relief in La Joya
- Home Equity Loans in La Joya
- 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