Whitesboro, TX—76273
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Whitesboro, TX
As of Oct '25, the median home price in Whitesboro, TX is $344,000, with a year-over-year change of -1.0%. This indicates that home prices in Whitesboro, TX are flat. According to Zillow, the 1-year price projection is 0.7%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $344,000 | -1.0% |
| Single Family | $344,000 | -0.9% |
| 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 | $340,000 | 0.0% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Whitesboro, TX
As of July '25, Rentcast reports the average rent in Whitesboro, TX is $1,700, with a year-over-year rent change of -1.7%. Per bedroom, the median rent as of July '25 in Whitesboro, TX is 1-bedrooms: $1,050, 2-bedrooms: $1,410, 3-bedrooms: $1,930, 4-bedrooms: $1,750. The most common rental property sizes in Whitesboro, TX are 2-bedroom and 3-bedroom, accounting for 43.1% and 31.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,400 | $1,700 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $1,050 | $1,050 |
| 2 Bed Rent | $1,300 | $1,410 |
| 3 Bed Rent | $1,400 | $1,930 |
| 4 Bed Rent | $1,700 | $1,750 |
% of Rental Stock
Property Listings — Whitesboro, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Whitesboro, TX is 87. This is a increase of 29.0% 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 28.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $427,000 | 0.0% |
Listing Count | 93 | 15.0% |
| Listings as % of Homes | 1.1% | 15.0% |
Days on Market | 87 | 29.0% |
Demographics — Whitesboro, TX
As of the latest ACS Survey released in 2023, Whitesboro, TX has a population of 11,000, which has increased by 15.1% over the past 5 years. Whitesboro, TX is a moderately popular place for families, as children make up 18.7% of the population. The area has a poorly educated workforce, with 19.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 11,000 | 15.1% |
% Under 18 | 18.7% | -20.1% |
% Seniors | 19.2% | -7.2% |
% WFH | 6.4% | -34.0% |
% w/ College Degree | 19.9% | 11.8% |
As of the latest ACS Survey released in 2023, Whitesboro, TX is a predominantly white area, with 82.2% of the population identifying as white. The white population has shrunk by 5.5% in the last 5 years. The second most common race or ethnicity in Whitesboro, TX is hispanic, making up 9.7% of the population. Foreign-born residents account for 3.6% of the population in Whitesboro, TX, and this percentage has decreased by 32.1% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 82.2% | -5.5% |
% Black | 1.0% | 11.1% |
% Hispanic | 9.7% | 1.0% |
% Asian | 2.6% | 766.7% |
% Foreign Born | 3.6% | -32.1% |
Mortgage and Risk — Whitesboro, TX
According to HUD data as of 2023, there were 123 mortgage originations in Whitesboro, TX, of which 67.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 39.0% above 90% LTV (very high). This implies large mortgage risk in Whitesboro, TX. Investor activity is low, as 3.0% of loans were by investors. 6.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 123 |
% Conventional Loans | 67.0% |
% Government Loans | 33.0% |
% Investor Loans | 3.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 6.0% |
Loan Activity
Rentals and Section 8 — Whitesboro, TX
As of 2024, the percent of homes in Whitesboro, TX under the Section 8 program is 1.3%. 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. In Whitesboro, TX, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 84 |
Total Units Section 8 | 12 |
% Rentals under Section 8 | 1.3% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $20 | $1,050 | $1,070 |
| 2 Bedroom | $10 | $1,300 | $1,310 |
| 3 Bedroom | $390 | $1,400 | $1,790 |
| 4 Bedroom | $460 | $1,700 | $2,160 |
Affordability — Whitesboro, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.2 |
| Median Home Price | $344,000 |
| Median Household Income | $80,200 |