Median home value: $290K (+1.9% YoY). Part of Lubbock, TX.
Limited Data
Basic Zillow data only. For stress scores, AI analysis, and trends, Lubbock, TX metro page.
Home Value$289,675
+1.9%
AFFORDABILITY6.00% 30yr, 20% down, county tax + TX ins. 28% per HUD.
Enter your income for Shallowater.
$57,935 on $289,675
Stretch — 33.2% of income
Above 28% but manageable with cuts.
PITI$2,074
P/I33.2%
Afford$244K
Gap-$45K
P&I $1,389Tax $435Ins $250
Home Buying Kit For Dummies (2025)Financing, negotiation, closing