Harris County, Texas: What It Costs to Buy a Home
The median home in Harris County is worth $301,700, property taxes on it run about $4,382 a year (1.72%), the FHA loan limit is $541,287, and there is no transfer tax; title insurance on it runs about $2,115. Each number below opens its own page with the source and a calculator.
| Median home value | $301,700 | Title insurance at this price → |
|---|---|---|
| Property taxes (median paid) | $4,382 a year, 1.72% 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 | $2,015 owner's + $100 lender's | Title insurance page → |
| Recording fees (deed + mortgage) | $114 | Recording fees page → |
| Closing costs from these items | $2,229 | Closing costs page → |
| Down payment help | 2 local programs found | First-time buyer 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 Harris County?
The median owner-occupied home in Harris County is valued at $301,700, per U.S. Census Bureau QuickFacts: Harris County, Texas (median value of owner-occupied housing units, ACS 5-year estimate).
How much are property taxes in Harris County?
The median Harris County homeowner pays $4,382 a year in real estate taxes, about 1.72% of the median home value ($5,134 for homes with a mortgage), per the Census Bureau's American Community Survey.
What is the FHA loan limit in Harris 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 Harris County?
On the $301,700 median home: no transfer tax in Texas, title insurance $2,115 for both policies, recording fees about $114, about $2,229 for those items before lender fees, prepaid taxes and insurance.
What is the area median income in Harris County?
HUD's FY 2026 median family income for Harris 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
- Hansford County $132,100
- Hardeman County $76,500
- Hardin County $188,200
- Harrison County $178,200
- Hartley County $213,200
- Haskell County $92,000
Sources
- U.S. Census Bureau QuickFacts: Harris County, Texas (median value of owner-occupied housing units, ACS 5-year estimate)
- 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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