Nueces County, TX Closing Cost Calculator

At a median of $210,000, Nueces County sits 32% below the national median of $310,000 — making it one of the more affordable markets in our dataset and well within FHA financing range.

Among the Texas counties we track, Nueces County is among the most affordable at $210,000 — significantly below Travis County at $560,000.

A 20% down payment on a median Nueces County home requires $42,000 in cash — or $7,350 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.

Nueces County's effective property tax rate of 1.87% is 70% above the 1.10% national average across the markets we track — placing it among the top 20% highest-tax counties in our dataset.

Based on the 1.87% effective rate and a median home value of $210,000, a typical homeowner in Nueces County pays approximately $3,927 in annual property taxes — or $327 per month added to their mortgage payment.

Sources: Tax Foundation 2025

Homeowners insurance in Nueces County averages around $2,900/year ($242/month) — roughly 81% above the national average of $1,600.

Premium quotes in Nueces County typically range from $2,000 to $4,200 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.

Sources: NAIC 2024

A buyer purchasing the median Nueces County home ($210,000) with FHA's minimum 3.5% down would borrow $202,650 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.

With 20% down on a median-priced home, the loan amount of $168,000 stays $664,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.

Sources: HUD ML 2025-23, FHFA 2026