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.
See the full metro analysis: Athens, TX stress score, crash risk, and 12-month forecast →
Home Value$263,470
-3.7%
AFFORDABILITY6.50% 30yr, 20% down, county tax + TX ins. 28% per HUD.
Enter your income for Tool.
$52,694 on $263,470
Stretch — 31.6% of income
Above 28% but manageable with cuts.
PITI$1,977
P/I31.6%
Afford$233K
Gap-$30K
P&I $1,332Tax $395Ins $250
Home Buying Kit For Dummies (2025)Financing, negotiation, closing
Other cities in Texas
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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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