The typical owner-occupied home in Guthrie is worth about $52,400, 82% below the Texas median of $283,800 and 84% below the national median of $332,700. The median household earns $45,855 a year, so the median home costs 1.1 times the median income (3.6 times for Texas). 48% of occupied homes here are lived in by their owners, and 0% of those owners still have a mortgage.
Guthrie at a glance
| Guthrie | Texas | U.S. | |
|---|---|---|---|
| Median home value | $52,400 | $283,800 | $332,700 |
| Median property tax paid per year | – | $4,232 | $3,119 |
| Median household income | $45,855 | $78,476 | $80,734 |
| Homes lived in by their owners | 48% | 63% | 65% |
| Owner homes with a mortgage | 0% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 1972 | 1992 | 1980 |
| Vacant homes | 27.7% | 9.4% | 10.1% |
| Population | 156 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Guthrie
At this week's average 30-year rate of 7.11%, buying the median Guthrie home of $52,400 with 20% down costs about $352 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $439, 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 $15,080 for the 20%-down payment. That payment is 9% of the median Guthrie household income of $45,855; at that income and 20% down, the 28% guideline points to a home of about $159,000.
| Down payment | $10,480 |
|---|---|
| Loan amount | $41,920 |
| Principal and interest | $282 |
| Property taxes (1.10% a year) | $48 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| PMI | $0 |
| Total per month | $352 |
Change the numbers in the calculator
| Down payment | $1,834 |
|---|---|
| Loan amount | $51,451 |
| Principal and interest | $346 |
| Property taxes (1.10% a year) | $48 |
| Homeowners insurance (our estimate, 0.5% a year) | $22 |
| FHA mortgage insurance | $23 |
| Total per month | $439 |
Change the numbers in the calculator
Questions about home buying in Guthrie
What is the median home value in Guthrie?
About $52,400 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 Guthrie?
For the median home with 20% down at 7.11%, the payment is about $352 a month. Keeping that under 28% of gross income takes about $15,080 a year.
More about Guthrie
- Mortgage Refinance in Guthrie
- Debt Relief in Guthrie
- Home Equity Loans in Guthrie
- 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