The typical owner-occupied home in Encinal is worth about $86,900, 69% below the Texas median of $283,800 and 74% below the national median of $332,700. Owners pay a median $1,521 a year in property taxes, about 1.75% of their home's value, higher than the Texas rate of 1.49%. The median household earns $50,833 a year, so the median home costs 1.7 times the median income (3.6 times for Texas). 82% of occupied homes here are lived in by their owners, and 6% of those owners still have a mortgage.
Encinal at a glance
| Encinal | Texas | U.S. | |
|---|---|---|---|
| Median home value | $86,900 | $283,800 | $332,700 |
| Median property tax paid per year | $1,521 | $4,232 | $3,119 |
| Property tax as a share of value | 1.75% | 1.49% | 0.94% |
| Median household income | $50,833 | $78,476 | $80,734 |
| Homes lived in by their owners | 82% | 63% | 65% |
| Owner homes with a mortgage | 6% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | $814 | $1,403 | $1,413 |
| Rent as a share of renters' income | 38.4% | 30.9% | 30.6% |
| Median year homes were built | 1981 | 1992 | 1980 |
| Vacant homes | 15.4% | 9.4% | 10.1% |
| Population | 1,298 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Encinal
At this week's average 30-year rate of 7.11%, buying the median Encinal home of $86,900 with 20% down costs about $631 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $775, 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 $27,026 for the 20%-down payment. That payment is 15% of the median Encinal household income of $50,833; at that income and 20% down, the 28% guideline points to a home of about $163,000.
The median rent here is $814 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $17,380 |
|---|---|
| Loan amount | $69,520 |
| Principal and interest | $468 |
| Property taxes (1.75% a year) | $127 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| PMI | $0 |
| Total per month | $631 |
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| Down payment | $3,042 |
|---|---|
| Loan amount | $85,326 |
| Principal and interest | $574 |
| Property taxes (1.75% a year) | $127 |
| Homeowners insurance (our estimate, 0.5% a year) | $36 |
| FHA mortgage insurance | $38 |
| Total per month | $775 |
Change the numbers in the calculator
Questions about home buying in Encinal
What is the median home value in Encinal?
About $86,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Encinal?
Homeowners pay a median $1,521 a year, which is about 1.75% 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 Encinal?
For the median home with 20% down at 7.11%, the payment is about $631 a month. Keeping that under 28% of gross income takes about $27,026 a year.
More about Encinal
- Mortgage Refinance in Encinal
- Debt Relief in Encinal
- Home Equity Loans in Encinal
- 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