Cameron County, Texas: What It Costs to Buy a Home
The median home in Cameron County is worth $120,000, property taxes on it run about $1,946 a year (1.62%), the FHA loan limit is $541,287, and there is no transfer tax; title insurance on it runs about $1,127. Each number below opens its own page with the source and a calculator.
| Median home value | $120,000 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $1,946 a year, 1.62% of value | Property tax page → |
| FHA loan limit (1 unit) | $541,287 | 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 | $1,027 owner's + $100 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $134 | Recording fees page → |
| Closing costs from these items | $1,261 | Closing costs page → |
| Area median income (HUD, family of 4) | $64,600; low-income limit $66,950 | Income limits page → |
Frequently asked questions
How much do homes cost in Cameron County?
The median owner-occupied home in Cameron County is valued at $120,000, 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 Cameron County?
The median Cameron County homeowner pays $1,946 a year in real estate taxes, about 1.62% of the median home value ($2,816 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Cameron County?
$541,287 for a one-unit home in 2026 (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 Cameron County?
On the $120,000 median home: no transfer tax in Texas, title insurance $1,127 for both policies, recording fees about $134, about $1,261 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Cameron County?
HUD's FY 2026 median family income for Cameron County (Brownsville-Harlingen, TX MSA) is $64,600. A family of four counts as low income below $66,950 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
- Caldwell County $215,600
- Calhoun County $150,000
- Callahan County $144,800
- Camp County $159,900
- Carson County $140,600
- Cass County $133,500
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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