The typical owner-occupied home in Jayton is worth about $121,300, 57% below the Texas median of $283,800 and 64% below the national median of $332,700. The median household earns $72,652 a year, so the median home costs 1.7 times the median income (3.6 times for Texas). 85% of occupied homes here are lived in by their owners, and 21% of those owners still have a mortgage.
Jayton at a glance
| Jayton | Texas | U.S. | |
|---|---|---|---|
| Median home value | $121,300 | $283,800 | $332,700 |
| Median property tax paid per year | – | $4,232 | $3,119 |
| Median household income | $72,652 | $78,476 | $80,734 |
| Homes lived in by their owners | 85% | 63% | 65% |
| Owner homes with a mortgage | 21% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,458 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 19.1% | 21.7% | 21.0% |
| Median rent | $833 | $1,403 | $1,413 |
| Rent as a share of renters' income | 18.3% | 30.9% | 30.6% |
| Median year homes were built | 1965 | 1992 | 1980 |
| Vacant homes | 26.4% | 9.4% | 10.1% |
| Population | 458 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Jayton
At this week's average 30-year rate of 7.11%, buying the median Jayton home of $121,300 with 20% down costs about $815 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,017, 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 $34,908 for the 20%-down payment. That payment is 13% of the median Jayton household income of $72,652; at that income and 20% down, the 28% guideline points to a home of about $252,000.
The median rent here is $833 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $24,260 |
|---|---|
| Loan amount | $97,040 |
| Principal and interest | $653 |
| Property taxes (1.10% a year) | $111 |
| Homeowners insurance (our estimate, 0.5% a year) | $51 |
| PMI | $0 |
| Total per month | $815 |
Change the numbers in the calculator
| Down payment | $4,246 |
|---|---|
| Loan amount | $119,103 |
| Principal and interest | $801 |
| Property taxes (1.10% a year) | $111 |
| Homeowners insurance (our estimate, 0.5% a year) | $51 |
| FHA mortgage insurance | $54 |
| Total per month | $1,017 |
Change the numbers in the calculator
Questions about home buying in Jayton
What is the median home value in Jayton?
About $121,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Jayton?
For the median home with 20% down at 7.11%, the payment is about $815 a month. Keeping that under 28% of gross income takes about $34,908 a year.
More about Jayton
- Mortgage Refinance in Jayton
- Debt Relief in Jayton
- Home Equity Loans in Jayton
- 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