The typical owner-occupied home in Jefferson is worth about $148,600, 48% below the Texas median of $283,800 and 55% below the national median of $332,700. Owners pay a median $1,118 a year in property taxes, about 0.75% of their home's value, lower than the Texas rate of 1.49%. The median household earns $41,500 a year, so the median home costs 3.6 times the median income (3.6 times for Texas). 54% of occupied homes here are lived in by their owners, and 25% of those owners still have a mortgage.
Jefferson at a glance
| Jefferson | Texas | U.S. | |
|---|---|---|---|
| Median home value | $148,600 | $283,800 | $332,700 |
| Median property tax paid per year | $1,118 | $4,232 | $3,119 |
| Property tax as a share of value | 0.75% | 1.49% | 0.94% |
| Median household income | $41,500 | $78,476 | $80,734 |
| Homes lived in by their owners | 54% | 63% | 65% |
| Owner homes with a mortgage | 25% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,063 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 22.5% | 21.7% | 21.0% |
| Median rent | $653 | $1,403 | $1,413 |
| Rent as a share of renters' income | 30.1% | 30.9% | 30.6% |
| Median year homes were built | 1979 | 1992 | 1980 |
| Vacant homes | 24.0% | 9.4% | 10.1% |
| Population | 2,131 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Jefferson
At this week's average 30-year rate of 7.11%, buying the median Jefferson home of $148,600 with 20% down costs about $954 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,202, 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 $40,907 for the 20%-down payment. That payment is 28% of the median Jefferson household income of $41,500; at that income and 20% down, the 28% guideline points to a home of about $151,000.
The median rent here is $653 a month, so owning the median home costs about $302 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $29,720 |
|---|---|
| Loan amount | $118,880 |
| Principal and interest | $800 |
| Property taxes (0.75% a year) | $93 |
| Homeowners insurance (our estimate, 0.5% a year) | $62 |
| PMI | $0 |
| Total per month | $954 |
Change the numbers in the calculator
| Down payment | $5,201 |
|---|---|
| Loan amount | $145,908 |
| Principal and interest | $982 |
| Property taxes (0.75% a year) | $93 |
| Homeowners insurance (our estimate, 0.5% a year) | $62 |
| FHA mortgage insurance | $66 |
| Total per month | $1,202 |
Change the numbers in the calculator
Questions about home buying in Jefferson
What is the median home value in Jefferson?
About $148,600 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Jefferson?
Homeowners pay a median $1,118 a year, which is about 0.75% 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 Jefferson?
For the median home with 20% down at 7.11%, the payment is about $954 a month. Keeping that under 28% of gross income takes about $40,907 a year.
More about Jefferson
- Mortgage Refinance in Jefferson
- Debt Relief in Jefferson
- Home Equity Loans in Jefferson
- 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