The typical owner-occupied home in Whitharral is worth about $55,000, 81% below the Texas median of $283,800 and 83% below the national median of $332,700. Owners pay a median $1,000 a year in property taxes, about 1.82% of their home's value, higher than the Texas rate of 1.49%. The median household earns $87,917 a year, so the median home costs 0.6 times the median income (3.6 times for Texas). 69% of occupied homes here are lived in by their owners, and 23% of those owners still have a mortgage.
Whitharral at a glance
| Whitharral | Texas | U.S. | |
|---|---|---|---|
| Median home value | $55,000 | $283,800 | $332,700 |
| Median property tax paid per year | $1,000 | $4,232 | $3,119 |
| Property tax as a share of value | 1.82% | 1.49% | 0.94% |
| Median household income | $87,917 | $78,476 | $80,734 |
| Homes lived in by their owners | 69% | 63% | 65% |
| Owner homes with a mortgage | 23% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 1959 | 1992 | 1980 |
| Vacant homes | 22.0% | 9.4% | 10.1% |
| Population | 98 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Whitharral
At this week's average 30-year rate of 7.11%, buying the median Whitharral home of $55,000 with 20% down costs about $402 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $494, 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 $17,242 for the 20%-down payment. That payment is 5% of the median Whitharral household income of $87,917; at that income and 20% down, the 28% guideline points to a home of about $280,000.
| Down payment | $11,000 |
|---|---|
| Loan amount | $44,000 |
| Principal and interest | $296 |
| Property taxes (1.82% a year) | $83 |
| Homeowners insurance (our estimate, 0.5% a year) | $23 |
| PMI | $0 |
| Total per month | $402 |
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| Down payment | $1,925 |
|---|---|
| Loan amount | $54,004 |
| Principal and interest | $363 |
| Property taxes (1.82% a year) | $83 |
| Homeowners insurance (our estimate, 0.5% a year) | $23 |
| FHA mortgage insurance | $24 |
| Total per month | $494 |
Change the numbers in the calculator
Questions about home buying in Whitharral
What is the median home value in Whitharral?
About $55,000 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Whitharral?
Homeowners pay a median $1,000 a year, which is about 1.82% 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 Whitharral?
For the median home with 20% down at 7.11%, the payment is about $402 a month. Keeping that under 28% of gross income takes about $17,242 a year.
More about Whitharral
- Mortgage Refinance in Whitharral
- Debt Relief in Whitharral
- Home Equity Loans in Whitharral
- 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