Smith County, TX Average Home Price (2026)
The average home price in Smith County, Texas is about $249,500 (the 2026 median across 14 ZIP codes, at ~$187/sq ft) — 4% more affordable than the Texas median and 14% more affordable than the typical U.S. home.
How Smith County compares
Smith County is about average for housing nationally: its typical home costs $249,500 against $261,000 for Texas and $289,000 for the U.S. Within the county, ZIP-level values run from about $131,000 to $353,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Smith County | $249,500 | $187 |
| Texas | $261,000 | $171 |
| United States | $289,000 | $193 |
Cities in Smith County
Cities with their own home-value page, largest first:
Smith County home prices by ZIP code
The 14 most valuable ZIP codes in Smith County (of 14 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 75703 Tyler | $353,000 | $186 | +41% |
| 75762 Flint | $310,000 | $190 | +24% |
| 75707 Tyler | $308,000 | $187 | +23% |
| 75771 Lindale | $303,000 | $192 | +21% |
| 75791 Whitehouse | $286,000 | $178 | +15% |
| 75709 Tyler | $282,000 | $191 | +13% |
| 75706 Tyler | $250,000 | $196 | +0% |
| 75704 Tyler | $249,000 | $196 | +0% |
| 75750 Arp | $238,000 | $190 | -5% |
| 75792 Winona | $230,000 | $166 | -8% |
| 75701 Tyler | $223,000 | $160 | -11% |
| 75705 Tyler | $209,000 | $178 | -16% |
| 75708 Tyler | $182,000 | $187 | -27% |
| 75702 Tyler | $131,000 | $142 | -47% |
Home value appreciation in Smith County
Home prices in Smith County have risen about 84% over the last 10 years (≈6.3% a year) and +116.6% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +1.8% — still rising. A home worth $249,500 today was worth roughly $135,304 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 Smith County
Run the numbers for Smith County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Smith County
To buy the typical $249,500 home in Smith County with 20% down, you need a household income of roughly $68,000 a year (about $1,580 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $81,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $12,500 | $1,970/mo | $84,000/yr |
| 10% (+PMI) | $25,000 | $1,880/mo | $81,000/yr |
| 20% | $49,900 | $1,580/mo | $68,000/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 Smith County
At about $187 per square foot, here is roughly how much home different budgets get you in Smith County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 800 sq ft | below the local median — condos, smaller or older homes |
| $200k | 1070 sq ft | around the typical home here |
| $250k | 1340 sq ft | around the typical home here |
| $300k | 1600 sq ft | around the typical home here |
| $400k | 2140 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 Smith County
Enter your ZIP and size for an instant estimate tailored to your exact area:
Smith 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.