The typical owner-occupied home in Oldham County is worth about $162,800, 43% below the Texas median of $283,800 and 51% below the national median of $332,700. Owners pay a median $1,780 a year in property taxes, about 1.09% of their home's value, lower than the Texas rate of 1.49%. The median household earns $79,900 a year, so the median home costs 2.0 times the median income (3.6 times for Texas). 74% of occupied homes here are lived in by their owners, and 50% of those owners still have a mortgage.
Oldham County at a glance
| Oldham County | Texas | U.S. | |
|---|---|---|---|
| Median home value | $162,800 | $283,800 | $332,700 |
| Median property tax paid per year | $1,780 | $4,232 | $3,119 |
| Property tax as a share of value | 1.09% | 1.49% | 0.94% |
| Median household income | $79,900 | $78,476 | $80,734 |
| Homes lived in by their owners | 74% | 63% | 65% |
| Owner homes with a mortgage | 50% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,793 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 16.8% | 21.7% | 21.0% |
| Median rent | $1,111 | $1,403 | $1,413 |
| Rent as a share of renters' income | 27.5% | 30.9% | 30.6% |
| Median year homes were built | 1967 | 1992 | 1980 |
| Vacant homes | 20.9% | 9.4% | 10.1% |
| Population | 2,249 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Oldham County
At this week's average 30-year rate of 7.11%, buying the median Oldham County home of $162,800 with 20% down costs about $1,092 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,363, 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 $46,793 for the 20%-down payment. That payment is 16% of the median Oldham County household income of $79,900; at that income and 20% down, the 28% guideline points to a home of about $278,000.
The median rent here is $1,111 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $32,560 |
|---|---|
| Loan amount | $130,240 |
| Principal and interest | $876 |
| Property taxes (1.09% a year) | $148 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| PMI | $0 |
| Total per month | $1,092 |
Change the numbers in the calculator
| Down payment | $5,698 |
|---|---|
| Loan amount | $159,851 |
| Principal and interest | $1,075 |
| Property taxes (1.09% a year) | $148 |
| Homeowners insurance (our estimate, 0.5% a year) | $68 |
| FHA mortgage insurance | $72 |
| Total per month | $1,363 |
Change the numbers in the calculator
Questions about home buying in Oldham County
What is the median home value in Oldham County?
About $162,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Oldham County?
Homeowners pay a median $1,780 a year, which is about 1.09% 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 Oldham County?
For the median home with 20% down at 7.11%, the payment is about $1,092 a month. Keeping that under 28% of gross income takes about $46,793 a year.
More about Oldham County
- Mortgage Refinance in Oldham County
- Debt Relief in Oldham County
- Home Equity Loans in Oldham 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