Round Rock, TX home values, income, and owner costs

The local figures answer the first question: In Round Rock, TX, the 2024 ACS reports a median owner-occupied home value of $418,600, median household income of $99,287, and median selected monthly owner costs of $2,364 for owners with a mortgage. For borrower planning, together, those three reference points may help a borrower identify which search-price, income, and recurring-cost assumptions need current verification first. They remain separate medians, not the finances of one representative household, and the $2,364 measure combines recurring ownership expenses rather than real estate taxes alone. A useful affordability review starts with $418,600, $99,287, and $2,364, then replaces them with the borrower's documented income, cash, debts, property taxes, insurance, association charges, loan terms, and intended occupancy.

Round Rock, TX's $418,600 median home-value estimate is above the statewide $283,800 estimate, with a reported city-to-state gap of 47.5%. For borrower planning, that 47.5% gap is useful for showing that a statewide midpoint may be a poor substitute for a local search range in Round Rock, TX. It does not mean every local property is 47.5% away from a comparable property elsewhere in the state, because the medians reflect different housing mixes and geographies. A borrower can apply $418,600 and $283,800 to decide which assumptions need local replacement first, then compare actual properties and current financing disclosures on the same basis.