The median home in Payne Springs, Texas is valued at $276,709, down 0.9% year over year. Payne Springs is part of the Athens, TX metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$276,709

-0.9%

Prices falling — better for buyers.

Affordability

Enter your income for Payne Springs.

Income (annual)

Down Payment

$55,342 on $276,709

Example: $75,000 household income. Change it above to see your own.

Stretch33% of income

Above 28% but manageable with cuts.

PITI$2,064

P/I33%

Afford$235K

Gap-$42K

P&I $1,399Tax $415Ins $250

6.50% 30yr, 20% down, county tax + TX ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Other cities in Texas

Compare Payne Springs with other housing markets across Texas.

Westlake$3.07M Highland Park$2.85M Westover Hills$2.59M University Park$2.38M Rollingwood$2.25M West Lake Hills$1.99M Bartonville$1.36M Southlake$1.26M

Full Athens, TX analysis

Stress scores, crash risk, early warning signals, and 12-month price forecasts for the Athens, TX metro.

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Payne Springs, TX