The typical owner-occupied home in Winters is worth about $55,100, 81% below the Texas median of $283,800 and 83% below the national median of $332,700. Owners pay a median $1,104 a year in property taxes, about 2.00% of their home's value, higher than the Texas rate of 1.49%. The median household earns $48,590 a year, so the median home costs 1.1 times the median income (3.6 times for Texas). 63% of occupied homes here are lived in by their owners, and 29% of those owners still have a mortgage.
Winters at a glance
| Winters | Texas | U.S. | |
|---|---|---|---|
| Median home value | $55,100 | $283,800 | $332,700 |
| Median property tax paid per year | $1,104 | $4,232 | $3,119 |
| Property tax as a share of value | 2.00% | 1.49% | 0.94% |
| Median household income | $48,590 | $78,476 | $80,734 |
| Homes lived in by their owners | 63% | 63% | 65% |
| Owner homes with a mortgage | 29% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $950 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 15.1% | 21.7% | 21.0% |
| Median rent | $600 | $1,403 | $1,413 |
| Rent as a share of renters' income | 24.0% | 30.9% | 30.6% |
| Median year homes were built | 1958 | 1992 | 1980 |
| Vacant homes | 22.1% | 9.4% | 10.1% |
| Population | 2,405 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Winters
At this week's average 30-year rate of 7.11%, buying the median Winters home of $55,100 with 20% down costs about $411 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $503, 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 $17,628 for the 20%-down payment. That payment is 10% of the median Winters household income of $48,590; at that income and 20% down, the 28% guideline points to a home of about $152,000.
The median rent here is $600 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $11,020 |
|---|---|
| Loan amount | $44,080 |
| Principal and interest | $297 |
| Property taxes (2.00% a year) | $92 |
| Homeowners insurance (our estimate, 0.5% a year) | $23 |
| PMI | $0 |
| Total per month | $411 |
Change the numbers in the calculator
| Down payment | $1,928 |
|---|---|
| Loan amount | $54,102 |
| Principal and interest | $364 |
| Property taxes (2.00% a year) | $92 |
| Homeowners insurance (our estimate, 0.5% a year) | $23 |
| FHA mortgage insurance | $24 |
| Total per month | $503 |
Change the numbers in the calculator
Questions about home buying in Winters
What is the median home value in Winters?
About $55,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Winters?
Homeowners pay a median $1,104 a year, which is about 2.00% 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 Winters?
For the median home with 20% down at 7.11%, the payment is about $411 a month. Keeping that under 28% of gross income takes about $17,628 a year.
More about Winters
- Mortgage Refinance in Winters
- Debt Relief in Winters
- Home Equity Loans in Winters
- 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