Stephenville, TX—76401
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Stephenville, TX
As of Oct '25, the median home price in Stephenville, TX is $314,000, with a year-over-year change of 0.2%. This indicates that home prices in Stephenville, TX are flat. According to Zillow, the 1-year price projection is 1.6%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $314,000 | 0.2% |
| Single Family | $314,000 | 0.0% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $198,000 | 0.0% |
3 Bed | $296,000 | -0.3% |
4 Bed | $432,000 | 2.4% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Stephenville, TX
As of July '25, Rentcast reports the average rent in Stephenville, TX is $1,420, with a year-over-year rent change of -1.4%. Per bedroom, the median rent as of July '25 in Stephenville, TX is studios: $1,000, 1-bedrooms: $816, 2-bedrooms: $1,320, 3-bedrooms: $1,830, 4-bedrooms: $1,830. The most common rental property sizes in Stephenville, TX are 2-bedroom and 1-bedroom, accounting for 41.3% and 24.4% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,250 | $1,420 |
| Studio Rent | $1,000 | $1,000 |
| 1 Bed Rent | $845 | $816 |
| 2 Bed Rent | $1,200 | $1,320 |
| 3 Bed Rent | $2,000 | $1,830 |
| 4 Bed Rent | $2,000 | $1,830 |
% of Rental Stock
Property Listings — Stephenville, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Stephenville, TX is 71. This is a increase of 8.0% 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 21.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $365,000 | -8.0% |
Listing Count | 184 | 25.0% |
| Listings as % of Homes | 0.6% | 25.0% |
Days on Market | 71 | 8.0% |
Demographics — Stephenville, TX
As of the latest ACS Survey released in 2023, Stephenville, TX has a population of 30,900, which has increased by 1.8% over the past 5 years. Stephenville, TX is a moderately popular place for families, as children make up 20.0% of the population. The area has a moderately educated workforce, with 35.0% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 5.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 30,900 | 1.8% |
% Under 18 | 20.0% | -6.1% |
% Seniors | 13.7% | 12.3% |
% WFH | 5.5% | 10.0% |
% w/ College Degree | 35.0% | 6.7% |
As of the latest ACS Survey released in 2023, Stephenville, TX is a predominantly white area, with 75.9% of the population identifying as white. The white population has shrunk by 0.8% in the last 5 years. The second most common race or ethnicity in Stephenville, TX is hispanic, making up 18.0% of the population. Foreign-born residents account for 5.3% of the population in Stephenville, TX, and this percentage has decreased by 22.1% 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 | 75.9% | -0.8% |
% Black | 1.8% | 0.0% |
% Hispanic | 18.0% | -5.8% |
% Asian | 1.4% | 55.6% |
% Foreign Born | 5.3% | -22.1% |
Mortgage and Risk — Stephenville, TX
According to HUD data as of 2023, there were 351 mortgage originations in Stephenville, TX, of which 84.0% of loans were conventional mortgages. The average loan-to-value was 70.0%, with 27.0% above 90% LTV (very high). This implies large mortgage risk in Stephenville, TX. Investor activity is low, as 5.0% of loans were by investors. 11.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 351 |
% Conventional Loans | 84.0% |
% Government Loans | 16.0% |
% Investor Loans | 5.0% |
% Second Loans | 3.0% |
% Cash Out Refinance | 11.0% |
Loan Activity
Rentals and Section 8 — Stephenville, TX
Stephenville, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 222 |
Total Units Section 8 | 222 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 94.4% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$35 | $845 | $810 |
| 2 Bedroom | -$140 | $1,200 | $1,060 |
| 3 Bedroom | -$510 | $2,000 | $1,490 |
| 4 Bedroom | -$220 | $2,000 | $1,780 |
Affordability — Stephenville, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.8 |
| Median Home Price | $314,000 |
| Median Household Income | $60,900 |