The typical owner-occupied home in McCulloch County is worth about $150,500, 47% below the Texas median of $283,800 and 55% below the national median of $332,700. Owners pay a median $1,494 a year in property taxes, about 0.99% of their home's value, lower than the Texas rate of 1.49%. The median household earns $54,043 a year, so the median home costs 2.8 times the median income (3.6 times for Texas). 67% of occupied homes here are lived in by their owners, and 40% of those owners still have a mortgage.
McCulloch County at a glance
| McCulloch County | Texas | U.S. | |
|---|---|---|---|
| Median home value | $150,500 | $283,800 | $332,700 |
| Median property tax paid per year | $1,494 | $4,232 | $3,119 |
| Property tax as a share of value | 0.99% | 1.49% | 0.94% |
| Median household income | $54,043 | $78,476 | $80,734 |
| Homes lived in by their owners | 67% | 63% | 65% |
| Owner homes with a mortgage | 40% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,561 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 18.9% | 21.7% | 21.0% |
| Median rent | $806 | $1,403 | $1,413 |
| Rent as a share of renters' income | 28.7% | 30.9% | 30.6% |
| Median year homes were built | 1971 | 1992 | 1980 |
| Vacant homes | 21.9% | 9.4% | 10.1% |
| Population | 7,514 | 30,188,424 | 334,922,499 |
What a typical home costs per month in McCulloch County
At this week's average 30-year rate of 7.11%, buying the median McCulloch County home of $150,500 with 20% down costs about $997 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,248, 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 $42,720 for the 20%-down payment. That payment is 22% of the median McCulloch County household income of $54,043; at that income and 20% down, the 28% guideline points to a home of about $190,000.
The median rent here is $806 a month, so owning the median home costs about $191 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $30,100 |
|---|---|
| Loan amount | $120,400 |
| Principal and interest | $810 |
| Property taxes (0.99% a year) | $124 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| PMI | $0 |
| Total per month | $997 |
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| Down payment | $5,268 |
|---|---|
| Loan amount | $147,774 |
| Principal and interest | $994 |
| Property taxes (0.99% a year) | $124 |
| Homeowners insurance (our estimate, 0.5% a year) | $63 |
| FHA mortgage insurance | $67 |
| Total per month | $1,248 |
Change the numbers in the calculator
Questions about home buying in McCulloch County
What is the median home value in McCulloch County?
About $150,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in McCulloch County?
Homeowners pay a median $1,494 a year, which is about 0.99% 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 McCulloch County?
For the median home with 20% down at 7.11%, the payment is about $997 a month. Keeping that under 28% of gross income takes about $42,720 a year.
More about McCulloch County
- Mortgage Refinance in McCulloch County
- Debt Relief in McCulloch County
- Home Equity Loans in McCulloch County
- 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