The median home in Waco, Texas is valued at $190,491, down 3.1% year over year. Typical monthly rent is $1,386, producing a price-to-rent ratio of 11.5x — below the national average of 18x. Waco is part of the Waco, TX metropolitan area, which CrashWatch tracks daily with real-time stress scores and crash risk analysis.

Home Value$190,491

-3.1%

Rent$1,386/mo

Prices falling — better for buyers.

Affordability

Enter your income for Waco.

Income (annual)

Down Payment

$38,098 on $190,491

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

Affordable24% of income

Under the 28% guideline.

PITI$1,499

P/I24%

Afford$222K

Room+$32K

P&I $963Tax $286Ins $250

Renting $113/mo cheaper ($1,386 rent)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 Waco 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 Waco, TX analysis

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

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