Travis County, TX Closing Cost Calculator

With a median home value of $560,000, Travis County is 81% above the national median of $310,000 — placing it firmly in premium territory where careful loan-type selection matters.

Among the Texas counties we track, Travis County is one of the most expensive — comparable to Dallas County ($320,000).

A 20% down payment on a median Travis County home requires $112,000 in cash — or $19,600 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.

Travis County's effective property tax rate of 1.84% is 67% above the 1.10% national average across the markets we track — placing it among the top 30% highest-tax counties in our dataset.

Based on the 1.84% effective rate and a median home value of $560,000, a typical homeowner in Travis County pays approximately $10,304 in annual property taxes — or $859 per month added to their mortgage payment.

Sources: Tax Foundation 2025

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

Premium quotes in Travis 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 Travis County home ($560,000) with FHA's minimum 3.5% down would borrow $540,400 — 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 $448,000 stays $384,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.

Sources: HUD ML 2025-23, FHFA 2026