Caldwell County, Texas Housing Market
In Caldwell County, Texas, the median home value is $240,500, with a median monthly rent of $1,173. This places Caldwell County at #977 nationally out of 3134 counties by median home value, and #54 within Texas.
📈 Price Trend (2017 → 2024)
📊 Recent Market Momentum (FHFA HPI)
FHFA House Price Index — All-Transactions, Annual (2000 = 100) · Latest: 2025
📍 Economic Snapshot
Employment & Wages
- Avg weekly wage: $1,109
- Establishments: 825
- BLS QCEW, 2025
Housing Supply
- Single-family: 439
- Multi-family: 4
- U.S. Census Bureau, Building Permits Survey
Migration Patterns
- Inflow: 17,198 (avg $62,547)
- Outflow: 16,109 (avg $62,793)
- IRS Statistics of Income
📍 Sub-Market Activity
Top 4 active ZIP codes in Caldwell County · Latest: 2025
| # | ZIP Code | HPI | YoY Change | Latest Year |
|---|---|---|---|---|
| 1 | 78640 | 276.4 | -4.88% | 2025 |
| 2 | 78644 | 336.9 | +0.05% | 2025 |
| 3 | 78666 | 303.5 | -1.71% | 2025 |
| 4 | 78610 | 327.8 | -3.57% | 2025 |
Source: FHFA HPI for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100).
This product uses FHFA Data but is neither endorsed nor certified by FHFA.
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💰 Mortgage Guide → 🧾 Property Tax Data →How Caldwell County Compares
| Metric | Caldwell County | Texas Average | U.S. Average |
|---|---|---|---|
| Median Home Value | $240,500 | $186,278 | $227,706 |
| Median Gross Rent | $1,173 | $997 | $968 |
| Owner Occupancy Rate | 75.3% | 73.2% | 73.3% |
| Price/Rent Ratio | 17.1 | 15.2 | 18.7 |
Market Analysis
The median home value in Caldwell County is 29.1% above the Texas state average and 5.6% above the U.S. national average. The median rent of $1,173/month is 17.7% above the state average.
With a price-to-rent ratio of 17.1, the buy-vs-rent decision in Caldwell County is balanced. Whether buying or renting makes more sense depends on your time horizon, down payment capacity, and local market conditions.
Caldwell County has an owner-occupancy rate of 75.3%, compared to 73.2% in Texas and 73.3% nationally. This indicates a more homeowner-heavy market than the U.S. average.
Similar Counties by Home Value
| County | State | Median Home Value | Median Rent |
|---|---|---|---|
| Rogers County | Oklahoma | $240,500 | $1,047 |
| Butts County | Georgia | $240,600 | $941 |
| Morrow County | Oregon | $240,400 | $995 |
| Tipton County | Tennessee | $240,600 | $1,013 |
| Cooke County | Texas | $240,400 | $1,047 |
Other Counties in Texas
| County | Median Home Value | Median Rent | Owner Occ. |
|---|---|---|---|
| Cooke County | $240,400 | $1,047 | 71.8% |
| Smith County | $240,700 | $1,238 | 68.8% |
| Bell County | $241,000 | $1,224 | 56.5% |
| Rains County | $241,100 | $989 | 82.6% |
| Medina County | $239,600 | $1,196 | 83.8% |
Data Source: U.S. Census Bureau, American Community Survey (ACS) 2024 5-Year Estimates (2017–2024). Variables: B25077 (Median Home Value), B25064 (Median Gross Rent), B25003 (Tenure). Data collected on 2026-10-14. The price-to-rent ratio is calculated as Median Home Value ÷ (Median Monthly Rent × 12).