The median home in Tool, Texas is valued at $263,470, down 3.7% year over year. Tool is part of the Athens, TX metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$263,470

-3.7%

Prices falling — better for buyers.

Affordability

Enter your income for Tool.

Income (annual)

Down Payment

$52,694 on $263,470

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

Stretch31.6% of income

Above 28% but manageable with cuts.

PITI$1,977

P/I31.6%

Afford$233K

Gap-$30K

P&I $1,332Tax $395Ins $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 Tool 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.

View Athens, TX metro

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Tool, TX