In Less Than a Decade, You Won’t Be Able To Afford Homes in These 20 Texas ZIP Codes

Despite the fact that Texas has affordable housing and cost of living compared to other US states, there are still huge disparities in home prices across the Lone Star State. While Texas has no state income tax, the average effective property tax rate is 1.60%.

For some zip codes across the state, rising home prices could change the housing market in years to come. While you are able to afford homes in some affordable areas now, you may not be able to do so in 10 years. 

To give you a better idea, GOBankingRates has provided the average home value and projected value over the next decade for these 20 Texas ZIP codes where prices are rising.

• April 2024 Home Value: $325,633
• 1-Year Growth Projection (%): 1.90
• 2025 Projected Home Value: $331,820
• 2026 Projected Home Value: $338,124
• 2027 Projected Home Value: $344,549
• 2028 Projected Home Value: $351,095
• 2029 Projected Home Value: $357,766
• 2030 Projected Home Value: $364,564
• 2031 Projected Home Value: $371,490
• 2032 Projected Home Value: $378,549
• 2033 Projected Home Value: $385,741
• 2034 Projected Home Value: $393,070

• April 2024 Home Value: $359,501
• 1-Year Growth Projection (%): 0.50
• 2025 Projected Home Value: $361,299
• 2026 Projected Home Value: $363,105
• 2027 Projected Home Value: $364,921
• 2028 Projected Home Value: $366,745
• 2029 Projected Home Value: $368,579
• 2030 Projected Home Value: $370,422
• 2031 Projected Home Value: $372,274
• 2032 Projected Home Value: $374,135
• 2033 Projected Home Value: $376,006
• 2034 Projected Home Value: $377,886

• April 2024 Home Value: $326,707
• 1-Year Growth Projection (%): 1.30
• 2025 Projected Home Value: $330,954
• 2026 Projected Home Value: $335,256
• 2027 Projected Home Value: $339,615
• 2028 Projected Home Value: $344,030
• 2029 Projected Home Value: $348,502
• 2030 Projected Home Value: $353,032
• 2031 Projected Home Value: $357,622
• 2032 Projected Home Value: $362,271
• 2033 Projected Home Value: $366,981
• 2034 Projected Home Value: $371,751

Pictured: Dallas, Texas

• April 2024 Home Value: $354,516
• 1-Year Growth Projection (%): 0.30
• 2025 Projected Home Value: $330,954
• 2026 Projected Home Value: $355,256
• 2027 Projected Home Value: $339,615
• 2028 Projected Home Value: $342,030
• 2029 Projected Home Value: $348,502
• 2030 Projected Home Value: $353,032
• 2031 Projected Home Value: $357,622
• 2032 Projected Home Value: $362,271
• 2033 Projected Home Value: $366,981
• 2034 Projected Home Value: $371,751

Pictured: Austin, Texas

• April 2024 Home Value: $330,234
• 1-Year Growth Projection (%): 1.00
• 2025 Projected Home Value: $333,536
• 2026 Projected Home Value: $36,872
• 2027 Projected Home Value: $340,240
• 2028 Projected Home Value: $343,643
• 2029 Projected Home Value: $347,079
• 2030 Projected Home Value: $350,550
• 2031 Projected Home Value: $354,055
• 2032 Projected Home Value: $357,596
• 2033 Projected Home Value: $361,172
• 2034 Projected Home Value: $364,784

Pictured: Amarillo, Texas

• April 2024 Home Value: $310,103
• 1-Year Growth Projection (%): 1.60
• 2025 Projected Home Value: $315,064
• 2026 Projected Home Value: $320,105
• 2027 Projected Home Value: $325,227
• 2028 Projected Home Value: $330,431
• 2029 Projected Home Value: $335,718
• 2030 Projected Home Value: $341,089
• 2031 Projected Home Value: $346,547
• 2032 Projected Home Value: $352,091
• 2033 Projected Home Value: $357,725
• 2034 Projected Home Value: $363,448

Pictured: Austin, Texas

• April 2024 Home Value: $297,150
• 1-Year Growth Projection (%): 1.90
• 2025 Projected Home Value: $302,796
• 2026 Projected Home Value: $308,549
• 2027 Projected Home Value: $314,411
• 2028 Projected Home Value: $320,885
• 2029 Projected Home Value: $326,473
• 2030 Projected Home Value: $332,676
• 2031 Projected Home Value: $338,996
• 2032 Projected Home Value: $345,437
• 2033 Projected Home Value: $352,001
• 2034 Projected Home Value: $358,689

Pictured: Austin, Texas

• April 2024 Home Value: $333,125
• 1-Year Growth Projection (%): 0.70
• 2025 Projected Home Value: $335,457
• 2026 Projected Home Value: $337,805
• 2027 Projected Home Value: $340,170
• 2028 Projected Home Value: $342,551
• 2029 Projected Home Value: $344,949
• 2030 Projected Home Value: $347,363
• 2031 Projected Home Value: $349,795
• 2032 Projected Home Value: $352,244
• 2033 Projected Home Value: $354,709
• 2034 Projected Home Value: $357,192

• April 2024 Home Value: $345,362
• 1-Year Growth Projection (%): 0.30
• 2025 Projected Home Value: $346,398
• 2026 Projected Home Value: $347,437
• 2027 Projected Home Value: $348,480
• 2028 Projected Home Value: $349525
• 2029 Projected Home Value: $350,574
• 2030 Projected Home Value: $351,625
• 2031 Projected Home Value: $352,680
• 2032 Projected Home Value: $353,738
• 2033 Projected Home Value: $354,800
• 2034 Projected Home Value: $335,864

Pictured: Leander, Texas

• April 2024 Home Value: $331,755
• 1-Year Growth Projection (%): 0.70
• 2025 Projected Home Value: $334,078
• 2026 Projected Home Value: $336,416
• 2027 Projected Home Value: $338,771
• 2028 Projected Home Value: $341,142
• 2029 Projected Home Value: $343,530
• 2030 Projected Home Value: $345,935
• 2031 Projected Home Value: $348,357
• 2032 Projected Home Value: $350,795
• 2033 Projected Home Value: $353,251
• 2034 Projected Home Value: $355,784

Pictured: Austin, Texas

• April 2024 Home Value: $358,820
• 1-Year Growth Projection (%):  -0.20
• 2025 Projected Home Value: $358,103
• 2026 Projected Home Value: $357,386
• 2027 Projected Home Value: $356,672
• 2028 Projected Home Value: $355,958
• 2029 Projected Home Value: $355,246
• 2030 Projected Home Value: $354,536
• 2031 Projected Home Value: $358,827
• 2032 Projected Home Value: $353,119
• 2033 Projected Home Value: $352,413
• 2034 Projected Home Value: $351,708

Pictured: McAllen, Texas

• April 2024 Home Value: $318,336
• 1-Year Growth Projection (%): 1.0
• 2025 Projected Home Value: $321,519
• 2026 Projected Home Value: $324,735
• 2027 Projected Home Value: $327,982
• 2028 Projected Home Value: $331,262
• 2029 Projected Home Value: $334,574
• 2030 Projected Home Value: $337,920
• 2031 Projected Home Value: $341,299
• 2032 Projected Home Value: $344,712
• 2033 Projected Home Value: $348,159
• 2034 Projected Home Value: $351,641

Pictured: Austin, Texas

• April 2024 Home Value: $325,593
• 1-Year Growth Projection (%): 0.70
• 2025 Projected Home Value: $327,671
• 2026 Projected Home Value: $329,964
• 2027 Projected Home Value: $332,274
• 2028 Projected Home Value: $334,600
• 2029 Projected Home Value: $336,942
• 2030 Projected Home Value: $339,301
• 2031 Projected Home Value: $341,676
• 2032 Projected Home Value: $344,068
• 2033 Projected Home Value: $346,476
• 2034 Projected Home Value: $348,901

Pictured: University City, Texas

• April 2024 Home Value: $328,444
• 1-Year Growth Projection (%): 0.50
• 2025 Projected Home Value: $330,087
• 2026 Projected Home Value: $331,737
• 2027 Projected Home Value: $333,396
• 2028 Projected Home Value: $335,063
• 2029 Projected Home Value: $336,738
• 2030 Projected Home Value: $338,422
• 2031 Projected Home Value: $340,114
• 2032 Projected Home Value: $341,814
• 2033 Projected Home Value: $343,524
• 2034 Projected Home Value: $345,241

Pictured: Cedar Park, Texas

• April 2024 Home Value: $296,488
• 1-Year Growth Projection (%): 1.50
• 2025 Projected Home Value: $300,936
• 2026 Projected Home Value: $305,450
• 2027 Projected Home Value: $310,031
• 2028 Projected Home Value: $314,682
• 2029 Projected Home Value: $319,402
• 2030 Projected Home Value: $324,193
• 2031 Projected Home Value: $329,056
• 2032 Projected Home Value: $333,992
• 2033 Projected Home Value: $339,002
• 2034 Projected Home Value: $344,087

Pictured: Houston, Texas

• April 2024 Home Value: $347,271
• 1-Year Growth Projection (%):  -0.10
• 2025 Projected Home Value: $346,923
• 2026 Projected Home Value: $346,577
• 2027 Projected Home Value: $346,230
• 2028 Projected Home Value: $345,884
• 2029 Projected Home Value: $345,538
• 2030 Projected Home Value: $345,192
• 2031 Projected Home Value: $344,847
• 2032 Projected Home Value: $344,502
• 2033 Projected Home Value: $344,158
• 2034 Projected Home Value: $343,814

Pictured: Austin, Texas

• April 2024 Home Value: $298,599
• 1-Year Growth Projection (%): 1.40
• 2025 Projected Home Value: $302,780
• 2026 Projected Home Value: $302,019
• 2027 Projected Home Value: $311,317
• 2028 Projected Home Value: $315,675
• 2029 Projected Home Value: $320,095
• 2030 Projected Home Value: $342,576
• 2031 Projected Home Value: $329,120
• 2032 Projected Home Value: $333,728
• 2033 Projected Home Value: $338,400
• 2034 Projected Home Value: $343,138

• April 2024 Home Value: $357,199
• 1-Year Growth Projection (%): -0.50
• 2025 Projected Home Value: $355,413
• 2026 Projected Home Value: $353,636
• 2027 Projected Home Value: $351,868
• 2028 Projected Home Value: $350,109
• 2029 Projected Home Value: $348,358
• 2030 Projected Home Value: $346,616
• 2031 Projected Home Value: $344,883
• 2032 Projected Home Value: $343,159
• 2033 Projected Home Value: $341,443
• 2034 Projected Home Value: $339,736

• April 2024 Home Value: $346,296
• 1-Year Growth Projection (%): -0.20
• 2025 Projected Home Value: $345,603
• 2026 Projected Home Value: $344,912
• 2027 Projected Home Value: $344,222
• 2028 Projected Home Value: $343,534
• 2029 Projected Home Value: $342,847
• 2030 Projected Home Value: $342,161
• 2031 Projected Home Value: $341,447
• 2032 Projected Home Value: $340,794
• 2033 Projected Home Value: $340,112
• 2034 Projected Home Value: $339,432

Pictured: Longview, Texas

• April 2024 Home Value: $303,609
• 1-Year Growth Projection (%): 1.10
• 2025 Projected Home Value: $306,949
• 2026 Projected Home Value: $310,326
• 2027 Projected Home Value: $313,739
• 2028 Projected Home Value: $317,190
• 2029 Projected Home Value: $320,679
• 2030 Projected Home Value: $324,207
• 2031 Projected Home Value: $327,773
• 2032 Projected Home Value: $331,379
• 2033 Projected Home Value: $335,024
• 2034 Projected Home Value: $338,709

Methodology: GOBankingRates took the overall U.S. median home value and projected its growth and decline over 10 years using Zillow’s April 2024-25 one-year forecast. This projection was then compared to the projections of the 788 zip codes in Texas that currently have home prices below the national median, with those rising above the national average in the next 10 years (plus its projected growth rate over the same period) being deemed “a place you could no longer afford.” For each Texas zip code over the next decade, GOBankingRates found the following factors: (1) year the Texas zip code will become a “place you could no longer afford”; (2) projected home value for that year; and (3) US average projected home value for that year. NOTE: GOBankingRates does not expect growth in home value to stay stagnant at one current rate for the next decade, but using these constant figures gives us an idea where certain markets are heading without unforeseen market disruptors in the future. All data used to conduct this study was compiled and verified on May 29, 2024.