The median home in Shallowater, Texas is valued at $289,675, up 1.9% year over year. Shallowater is part of the Lubbock, TX metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$289,675

+1.9%

Prices rising — worse for buyers.

Affordability

Enter your income for Shallowater.

Income (annual)

Down Payment

$57,935 on $289,675

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

Stretch34.4% of income

Above 28% but manageable with cuts.

PITI$2,149

P/I34.4%

Afford$236K

Gap-$54K

P&I $1,465Tax $435Ins $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 Shallowater 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 Lubbock, TX analysis

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

View Lubbock, TX metro

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Shallowater, TX