Chambers County, Texas: What It Costs to Buy a Home
The median home in Chambers County is worth $289,900, property taxes on it run about $3,290 a year (1.13%), the FHA loan limit is $541,287, and there is no transfer tax; title insurance on it runs about $1,868. Each number below opens its own page with the source and a calculator.
| Median home value | $289,900 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $3,290 a year, 1.13% 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 | $1,768 owner's + $100 lender's | Title insurance page → |
| Closing costs from these items | $1,868 | Closing costs page → |
| Area median income (HUD, family of 4) | $104,000; low-income limit $83,200 | Income limits page → |
Frequently asked questions
How much do homes cost in Chambers County?
The median owner-occupied home in Chambers County is valued at $289,900, 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 Chambers County?
The median Chambers County homeowner pays $3,290 a year in real estate taxes, about 1.13% of the median home value ($3,970 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Chambers 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 Chambers County?
On the $289,900 median home: no transfer tax in Texas, title insurance $1,868 for both policies, about $1,868 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Chambers County?
HUD's FY 2026 median family income for Chambers County (Houston-The Woodlands-Sugar Land, TX HUD Metro FMR Area) is $104,000. A family of four counts as low income below $83,200 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
- Carson County $140,600
- Cass County $133,500
- Castro County $94,900
- Cherokee County $160,300
- Childress County $115,100
- Clay County $161,300
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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