Hill County, TX Average Home Price (2026)
The average home price in Hill County, Texas is about $220,000 (the 2026 median across 13 ZIP codes, at ~$167/sq ft) — 16% more affordable than the Texas median and 24% more affordable than the typical U.S. home.
How Hill County compares
Hill County is about average for housing nationally: its typical home costs $220,000 against $261,000 for Texas and $289,000 for the U.S. Within the county, ZIP-level values run from about $200,000 to $332,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Hill County | $220,000 | $167 |
| Texas | $261,000 | $171 |
| United States | $289,000 | $193 |
Hill County home prices by ZIP code
The 13 most valuable ZIP codes in Hill County (of 13 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 76636 Covington | $332,000 | $188 | +51% |
| 76622 Aquilla | $315,000 | $341 | +43% |
| 76627 Blum | $307,000 | $289 | +40% |
| 76621 Abbott | $295,000 | $175 | +34% |
| 76631 Bynum | $270,000 | $140 | +23% |
| 76673 Mount Calm | $261,000 | $203 | +19% |
| 76692 Whitney | $220,000 | $176 | +0% |
| 76055 Itasca | $208,000 | $143 | -5% |
| 76648 Hubbard | $207,000 | $157 | -6% |
| 76666 Mertens | $207,000 | $111 | -6% |
| 76645 Hillsboro | $206,000 | $167 | -6% |
| 76660 Malone | $201,000 | $129 | -9% |
| 76676 Penelope | $200,000 | $62 | -9% |
Home value appreciation in Hill County
Home prices in Hill County have risen about 130% over the last 10 years (≈8.7% a year) and +173.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +3.3% — still rising. A home worth $220,000 today was worth roughly $95,486 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Texas is +88.2% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Hill County
Run the numbers for Hill County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Hill County
To buy the typical $220,000 home in Hill County with 20% down, you need a household income of roughly $60,000 a year (about $1,400 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $71,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,000 | $1,740/mo | $74,000/yr |
| 10% (+PMI) | $22,000 | $1,660/mo | $71,000/yr |
| 20% | $44,000 | $1,400/mo | $60,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Hill County
At about $167 per square foot, here is roughly how much home different budgets get you in Hill County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 900 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1200 sq ft | around the typical home here |
| $250k | 1500 sq ft | around the typical home here |
| $300k | 1800 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 2400 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Texas.
Estimate a specific home in Hill County
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Hill County home prices: frequently asked
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Browse all Texas cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.