The typical owner-occupied home in China Spring is worth about $248,400, 12% below the Texas median of $283,800 and 25% below the national median of $332,700. Owners pay a median $2,929 a year in property taxes, about 1.18% of their home's value, lower than the Texas rate of 1.49%. The median household earns $70,792 a year, so the median home costs 3.5 times the median income (3.6 times for Texas). 76% of occupied homes here are lived in by their owners, and 42% of those owners still have a mortgage.
China Spring at a glance
| China Spring | Texas | U.S. | |
|---|---|---|---|
| Median home value | $248,400 | $283,800 | $332,700 |
| Median property tax paid per year | $2,929 | $4,232 | $3,119 |
| Property tax as a share of value | 1.18% | 1.49% | 0.94% |
| Median household income | $70,792 | $78,476 | $80,734 |
| Homes lived in by their owners | 76% | 63% | 65% |
| Owner homes with a mortgage | 42% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $3,581 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 21.3% | 21.7% | 21.0% |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 1989 | 1992 | 1980 |
| Vacant homes | 0.0% | 9.4% | 10.1% |
| Population | 1,126 | 30,188,424 | 334,922,499 |
What a typical home costs per month in China Spring
At this week's average 30-year rate of 7.11%, buying the median China Spring home of $248,400 with 20% down costs about $1,685 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,098, 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 $72,195 for the 20%-down payment. That payment is 29% of the median China Spring household income of $70,792; at that income and 20% down, the 28% guideline points to a home of about $244,000.
| Down payment | $49,680 |
|---|---|
| Loan amount | $198,720 |
| Principal and interest | $1,337 |
| Property taxes (1.18% a year) | $244 |
| Homeowners insurance (our estimate, 0.5% a year) | $104 |
| PMI | $0 |
| Total per month | $1,685 |
Change the numbers in the calculator
| Down payment | $8,694 |
|---|---|
| Loan amount | $243,901 |
| Principal and interest | $1,641 |
| Property taxes (1.18% a year) | $244 |
| Homeowners insurance (our estimate, 0.5% a year) | $104 |
| FHA mortgage insurance | $110 |
| Total per month | $2,098 |
Change the numbers in the calculator
Questions about home buying in China Spring
What is the median home value in China Spring?
About $248,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in China Spring?
Homeowners pay a median $2,929 a year, which is about 1.18% 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 China Spring?
For the median home with 20% down at 7.11%, the payment is about $1,685 a month. Keeping that under 28% of gross income takes about $72,195 a year.
More about China Spring
- Mortgage Refinance in China Spring
- Debt Relief in China Spring
- Home Equity Loans in China Spring
- 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