The typical owner-occupied home in Coldspring is worth about $216,800, 24% below the Texas median of $283,800 and 35% below the national median of $332,700. Owners pay a median $1,267 a year in property taxes, about 0.58% of their home's value, lower than the Texas rate of 1.49%. The median household earns $43,851 a year, so the median home costs 4.9 times the median income (3.6 times for Texas). 51% of occupied homes here are lived in by their owners, and 38% of those owners still have a mortgage.
Coldspring at a glance
| Coldspring | Texas | U.S. | |
|---|---|---|---|
| Median home value | $216,800 | $283,800 | $332,700 |
| Median property tax paid per year | $1,267 | $4,232 | $3,119 |
| Property tax as a share of value | 0.58% | 1.49% | 0.94% |
| Median household income | $43,851 | $78,476 | $80,734 |
| Homes lived in by their owners | 51% | 63% | 65% |
| Owner homes with a mortgage | 38% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $1,258 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 21.0% | 21.7% | 21.0% |
| Median rent | $777 | $1,403 | $1,413 |
| Rent as a share of renters' income | 28.8% | 30.9% | 30.6% |
| Median year homes were built | 1990 | 1992 | 1980 |
| Vacant homes | 11.1% | 9.4% | 10.1% |
| Population | 1,274 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Coldspring
At this week's average 30-year rate of 7.11%, buying the median Coldspring home of $216,800 with 20% down costs about $1,362 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,723, 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 $58,365 for the 20%-down payment. That payment is 37% of the median Coldspring household income of $43,851; at that income and 20% down, the 28% guideline points to a home of about $163,000.
The median rent here is $777 a month, so owning the median home costs about $585 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $43,360 |
|---|---|
| Loan amount | $173,440 |
| Principal and interest | $1,167 |
| Property taxes (0.58% a year) | $105 |
| Homeowners insurance (our estimate, 0.5% a year) | $90 |
| PMI | $0 |
| Total per month | $1,362 |
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| Down payment | $7,588 |
|---|---|
| Loan amount | $212,873 |
| Principal and interest | $1,432 |
| Property taxes (0.58% a year) | $105 |
| Homeowners insurance (our estimate, 0.5% a year) | $90 |
| FHA mortgage insurance | $96 |
| Total per month | $1,723 |
Change the numbers in the calculator
Questions about home buying in Coldspring
What is the median home value in Coldspring?
About $216,800 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Coldspring?
Homeowners pay a median $1,267 a year, which is about 0.58% 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 Coldspring?
For the median home with 20% down at 7.11%, the payment is about $1,362 a month. Keeping that under 28% of gross income takes about $58,365 a year.
More about Coldspring
- Mortgage Refinance in Coldspring
- Debt Relief in Coldspring
- Home Equity Loans in Coldspring
- 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