La Joya, TX—78560
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — La Joya, TX
As of Oct '25, the median home price in La Joya, TX is $156,000, with a year-over-year change of -1.2%. This indicates that home prices in La Joya, TX are decreasing. According to Zillow, the 1-year price projection is 2.0%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $156,000 | -1.2% |
| Single Family | $156,000 | -1.3% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $94,000 | -6.0% |
3 Bed | $157,000 | -1.3% |
4 Bed | N/A | N/A |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — La Joya, TX
As of July '25, Rentcast reports the average rent in La Joya, TX is $1,210, with a year-over-year rent change of 0.8%. Per bedroom, the median rent as of July '25 in La Joya, TX is 1-bedrooms: $775, 2-bedrooms: $1,120, 3-bedrooms: $1,650. The most common rental property sizes in La Joya, TX are 2-bedroom and 3-bedroom, accounting for 47.5% and 38.7% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $895 | $1,210 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $655 | $775 |
| 2 Bed Rent | $899 | $1,120 |
| 3 Bed Rent | $1,300 | $1,650 |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — La Joya, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in La Joya, TX is 90. This is a increase of 66.0% 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 20.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $205,000 | 19.0% |
Listing Count | 30 | -24.0% |
| Listings as % of Homes | 0.9% | -24.0% |
Days on Market | 90 | 66.0% |
Demographics — La Joya, TX
As of the latest ACS Survey released in 2023, La Joya, TX has a population of 4,620, which has decreased by -9.2% over the past 5 years. La Joya, TX is a popular place for families, as children make up 32.6% of the population. The area has a poorly educated workforce, with 20.4% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 7.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 4,620 | -9.2% |
% Under 18 | 32.6% | -5.8% |
% Seniors | 9.5% | 8.0% |
% WFH | 7.5% | 44.2% |
% w/ College Degree | 20.4% | 137.2% |
As of the latest ACS Survey released in 2023, La Joya, TX is a predominantly hispanic area, with 96.0% of the population identifying as hispanic. The hispanic population has grown by 1.6% in the last 5 years. The second most common race or ethnicity in La Joya, TX is white, making up 3.0% of the population. Foreign-born residents account for 20.4% of the population in La Joya, TX, and this percentage has decreased by 11.3% 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 | 3.0% | -45.5% |
% Black | 0.0% | N/A |
% Hispanic | 96.0% | 1.6% |
% Asian | 1.1% | ∞% |
% Foreign Born | 20.4% | -11.3% |
Mortgage and Risk — La Joya, TX
According to HUD data as of 2023, there were 27 mortgage originations in La Joya, TX, of which 44.0% of loans were conventional mortgages. The average loan-to-value was 81.0%, with 67.0% above 90% LTV (very high). This implies large mortgage risk in La Joya, TX. Investor activity is low, as 4.0% of loans were by investors. 7.0% of loans were cash-out refinances, suggesting few homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 27 |
% Conventional Loans | 44.0% |
% Government Loans | 56.0% |
% Investor Loans | 4.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 7.0% |
Loan Activity
Rentals and Section 8 — La Joya, TX
La Joya, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 99 |
Total Units Section 8 | 49 |
% Rentals under Section 8 | 6.4% |
% Occupied Section 8 | 88.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $95 | $655 | $750 |
| 2 Bedroom | $31 | $899 | $930 |
| 3 Bedroom | -$90 | $1,300 | $1,210 |
| 4 Bedroom | N/A | N/A | $1,350 |
Affordability — La Joya, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 2.7 |
| Median Home Price | $156,000 |
| Median Household Income | $51,700 |