The typical owner-occupied home in Center Point is worth about $324,200, 14% above the Texas median of $283,800 and 3% below the national median of $332,700. The median household earns $115,833 a year, so the median home costs 2.8 times the median income (3.6 times for Texas). 75% of occupied homes here are lived in by their owners, and 31% of those owners still have a mortgage.
Center Point at a glance
| Center Point | Texas | U.S. | |
|---|---|---|---|
| Median home value | $324,200 | $283,800 | $332,700 |
| Median property tax paid per year | – | $4,232 | $3,119 |
| Median household income | $115,833 | $78,476 | $80,734 |
| Homes lived in by their owners | 75% | 63% | 65% |
| Owner homes with a mortgage | 31% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 13.6% | 21.7% | 21.0% |
| Median rent | $477 | $1,403 | $1,413 |
| Rent as a share of renters' income | 9.0% | 30.9% | 30.6% |
| Median year homes were built | 1988 | 1992 | 1980 |
| Vacant homes | 26.1% | 9.4% | 10.1% |
| Population | 1,733 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Center Point
At this week's average 30-year rate of 7.11%, buying the median Center Point home of $324,200 with 20% down costs about $2,177 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,717, 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 $93,300 for the 20%-down payment. That payment is 23% of the median Center Point household income of $115,833; at that income and 20% down, the 28% guideline points to a home of about $402,000.
The median rent here is $477 a month, so owning the median home costs about $1,700 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $64,840 |
|---|---|
| Loan amount | $259,360 |
| Principal and interest | $1,745 |
| Property taxes (1.10% a year) | $297 |
| Homeowners insurance (our estimate, 0.5% a year) | $135 |
| PMI | $0 |
| Total per month | $2,177 |
Change the numbers in the calculator
| Down payment | $11,347 |
|---|---|
| Loan amount | $318,328 |
| Principal and interest | $2,141 |
| Property taxes (1.10% a year) | $297 |
| Homeowners insurance (our estimate, 0.5% a year) | $135 |
| FHA mortgage insurance | $143 |
| Total per month | $2,717 |
Change the numbers in the calculator
Questions about home buying in Center Point
What is the median home value in Center Point?
About $324,200 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 Center Point?
For the median home with 20% down at 7.11%, the payment is about $2,177 a month. Keeping that under 28% of gross income takes about $93,300 a year.
More about Center Point
- Mortgage Refinance in Center Point
- Debt Relief in Center Point
- Home Equity Loans in Center Point
- 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