Caldwell County, Texas: What It Costs to Buy a Home
The median home in Caldwell County is worth $215,600, property taxes on it run about $2,871 a year (1.33%), the FHA loan limit is $571,550, and there is no transfer tax; title insurance on it runs about $1,621. Each number below opens its own page with the source and a calculator.
| Median home value | $215,600 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $2,871 a year, 1.33% of value | Property tax page → |
| FHA loan limit (1 unit) | $571,550 | Loan limits page → |
| Conforming loan limit (1 unit) | $832,750 | Loan limits page → |
| Transfer tax | None in Texas | Texas transfer tax page → |
| Title insurance on the median home | $1,521 owner's + $100 lender's | Title insurance page → |
| Closing costs from these items | $1,621 | Closing costs page → |
| Area median income (HUD, family of 4) | $134,400; low-income limit $106,800 | Income limits page → |
Frequently asked questions
How much do homes cost in Caldwell County?
The median owner-occupied home in Caldwell County is valued at $215,600, per U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units).
How much are property taxes in Caldwell County?
The median Caldwell County homeowner pays $2,871 a year in real estate taxes, about 1.33% of the median home value ($3,511 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Caldwell County?
$571,550 for a one-unit home in 2026 (a high-cost limit above the national floor), per HUD; the conforming limit for Fannie Mae and Freddie Mac loans is $832,750, per FHFA.
What does it cost to close on a home in Caldwell County?
On the $215,600 median home: no transfer tax in Texas, title insurance $1,621 for both policies, about $1,621 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Caldwell County?
HUD's FY 2026 median family income for Caldwell County (Austin-Round Rock-San Marcos, TX MSA) is $134,400. A family of four counts as low income below $106,800 under HUD's 80% tier (adjusted for local housing costs, so it can sit above 80% of the median), which is the line many first-time buyer assistance programs use.
Nearby Texas counties
- Brown County $149,900
- Burleson County $174,000
- Burnet County $310,500
- Calhoun County $150,000
- Callahan County $144,800
- Cameron County $120,000
Sources
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25077 (median value of owner-occupied housing units)
- U.S. Census Bureau, ACS 2019-2023 five-year estimates, table B25103 (median real estate taxes paid)
- HUD, FHA forward mortgage loan limits for calendar year 2026 (CHUMS county limits file, Mortgagee Letter 2025-23)
- FHFA, conforming loan limits for mortgages acquired in calendar year 2026, by county
Figures are computed from the documents above and rounded to the dollar. All sources.
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General information, not financial, tax or legal advice. Figures are medians and schedule computations, not quotes.
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