Howe, TX—75459
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Howe, TX
As of Oct '25, the median home price in Howe, TX is $311,000, with a year-over-year change of -3.2%. This indicates that home prices in Howe, TX are decreasing. According to Zillow, the 1-year price projection is 0.1%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $311,000 | -3.2% |
| Single Family | $312,000 | -3.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $276,000 | -3.5% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Howe, TX
As of July '25, Rentcast reports the average rent in Howe, TX is $1,870, with a year-over-year rent change of 0.5%. Per bedroom, the median rent as of July '25 in Howe, TX is 1-bedrooms: $1,280, 2-bedrooms: $1,430, 3-bedrooms: $1,880, 4-bedrooms: $2,080. The most common rental property sizes in Howe, TX are 3-bedroom and 2-bedroom, accounting for 45.0% and 27.9% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,840 | $1,870 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,280 | $1,280 |
| 2 Bed Rent | $1,400 | $1,430 |
| 3 Bed Rent | $1,800 | $1,880 |
| 4 Bed Rent | $1,950 | $2,080 |
% of Rental Stock
Property Listings — Howe, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Howe, TX is 75. This is a increase of 10.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $306,000 | 1.0% |
Listing Count | 42 | 56.0% |
| Listings as % of Homes | 0.7% | 56.0% |
Days on Market | 75 | 10.0% |
Demographics — Howe, TX
As of the latest ACS Survey released in 2023, Howe, TX has a population of 6,620, which has increased by 25.3% over the past 5 years. Howe, TX is a popular place for families, as children make up 39.0% of the population. The area has a poorly educated workforce, with 23.2% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 11.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 6,620 | 25.3% |
% Under 18 | 39.0% | 57.3% |
% Seniors | 7.6% | -53.1% |
% WFH | 11.5% | 202.6% |
% w/ College Degree | 23.2% | 64.5% |
As of the latest ACS Survey released in 2023, Howe, TX is a predominantly white area, with 64.7% of the population identifying as white. The white population has shrunk by 24.2% in the last 5 years. The second most common race or ethnicity in Howe, TX is hispanic, making up 28.1% of the population. Foreign-born residents account for 11.4% of the population in Howe, TX, and this percentage has increased by 119.2% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 64.7% | -24.2% |
% Black | 4.6% | 4,500.0% |
% Hispanic | 28.1% | 284.9% |
% Asian | 0.1% | -94.7% |
% Foreign Born | 11.4% | 119.2% |
Mortgage and Risk — Howe, TX
According to HUD data as of 2023, there were 242 mortgage originations in Howe, TX, of which 76.0% of loans were conventional mortgages. The average loan-to-value was 76.0%, with 37.0% above 90% LTV (very high). This implies large mortgage risk in Howe, TX. Investor activity is low, as 5.0% of loans were by investors. 10.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 242 |
% Conventional Loans | 76.0% |
% Government Loans | 24.0% |
% Investor Loans | 5.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 10.0% |
Loan Activity
Rentals and Section 8 — Howe, TX
As of 2024, the percent of homes in Howe, TX under the Section 8 program is 9.3%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. 3-bedroom and 4-bedroom units appear to be good home sizes to consider for Section 8 housing in Howe, TX, because HUD payments exceed market rent, while 1-bedroom and 2-bedroom units do not.
Section 8 Market Size
Total Units under HUD | 60 |
Total Units Section 8 | 60 |
% Rentals under Section 8 | 9.3% |
% Occupied Section 8 | 76.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$200 | $1,280 | $1,080 |
| 2 Bedroom | -$100 | $1,400 | $1,300 |
| 3 Bedroom | $10 | $1,800 | $1,810 |
| 4 Bedroom | $230 | $1,950 | $2,180 |
Affordability — Howe, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.4 |
| Median Home Price | $311,000 |
| Median Household Income | $71,500 |