Texas City, Texas Housing Market

How much can you negotiate in Texas City?

Only 34 out of every 100 homes for sale have found a buyer. The other 66 are still waiting. Your offer may be the only one on the table. About 1 in 4 sellers has already dropped their price. Each one has learned their first price was too high. Start below their new price, not their old one.

A typical Texas City home takes 48 days to find a buyer. Half of them take even longer. Those sellers are paying to own a house they want to sell. Search for homes listed 60+ days ago. There are 211 homes for sale in Texas City. That is 3.4 times the tightest month on record, but below the peak of 236. Supply is growing against last year.

What to do about it

• Search Texas City homes listed 60+ days ago that have already cut their price.
• Offer below the reduced price.
• Keep your inspection and financing contingencies.
• Ask the seller to pay closing costs.
• You can lose a few offers here and still win.

Is now a good time to buy in Texas City?

Asking prices are 13.3% below their Apr 2022 peak. You are not buying at the top. Prices stopped falling about a year ago. They are flat now. Waiting will not get you a cheaper house. It might still get you a more motivated seller. Texas City prices have risen in 80 of the last 108 months. Drops here have been short and shallow. Buying in a slow month has rarely hurt a long hold.

The discount is already here. It is not getting bigger. Buy now while sellers are still weak. Waiting for a lower price stopped working a year ago.

Who will rent from you in Texas City?

In Texas City, 47 out of every 100 households rent. That is nearly half. The renter share is growing. Five years ago it was 45 in 100. 7.9% of homes sit empty. That is normal for a healthy market.

The median Texas City household earns $66,782 a year. Incomes here have grown 6.6% a year since 2019. Incomes are rising faster than home prices. Affordability is improving. A typical home costs 3.6 times the median income. Locals can afford to buy here. Your exit buyer can be a family, not just another investor. A tenant on the median income can pay about $1,670 a month. That is the standard 30% affordability line. Rents above it thin your tenant pool fast.

What numbers should you underwrite a Texas City deal with?

• Price growth to assume — +1.8%/yr. 1 year: +5.1% · 5 years: +1.8% · ten years: +5.2%. Do not use the ten-year rate. Most of that growth landed in the 2020 and 2021 boom. The five-year rate is what Texas City does without one. Underwrite closer to +1.8%. Measure growth per square foot. Texas City median list price grew 3.8% a year, but price per square foot grew 5.2%. The gap is smaller homes, not weaker growth. The house you buy will not shrink. The one-year rate is a timing signal. It is not an underwriting input.
• Months of carrying cost — 2. A typical home takes 48 days to sell. Budget that long when you exit or refinance.
• Odds you cut your price to sell — 1 in 4. About 23% of homes on the Texas City market right now have already cut their asking price. Assume you are one of them when you sell. Do not underwrite an exit at your asking price.
• Comp on this, not median price — $152/sqft. The typical Texas City listing shrank from 1,951 to 1,637 sqft since Jul 2016. So median price hides real growth: 65% per sqft versus 45% on the median. Comp on median price and you will overpay for small homes.
• Competition when you exit — +5%. That is how much the number of homes for sale grew in a year. Your resale will face a bigger crowd than today's comps did.
• Price-to-income ratio — 3.6×. A typical home costs 3.6 times the median income. Locals can afford to buy here. Your exit buyer can be a family, not just another investor. Incomes are rising faster than home prices. Affordability is improving.
• Tenant rent ceiling — $1,670/mo. 30% of the median household income of $66,782. Rents above this line shrink your tenant pool fast.

Is Texas City a buyer's or seller's market in 2026?

Yes, if you negotiate. Buyers have the upper hand in Texas City right now. 0.34 out of every 100 homes for sale have a buyer, 23% of sellers have cut their price, and a typical home takes 48 days to sell.

Are Texas City home prices going up or down?

Asking prices are 13.3% below their Apr 2022 peak. You are not buying at the top. Prices stopped falling about a year ago. They are flat now. Waiting will not get you a cheaper house. It might still get you a more motivated seller.

What price growth should I assume for Texas City?

+1.8%/yr. 1 year: +5.1% · 5 years: +1.8% · ten years: +5.2%. Do not use the ten-year rate. Most of that growth landed in the 2020 and 2021 boom. The five-year rate is what Texas City does without one. Underwrite closer to +1.8%. Measure growth per square foot. Texas City median list price grew 3.8% a year, but price per square foot grew 5.2%. The gap is smaller homes, not weaker growth. The house you buy will not shrink. The one-year rate is a timing signal. It is not an underwriting input.

How fast are homes selling in Texas City?

A typical Texas City home takes 48 days to find a buyer. Half of them take even longer. Those sellers are paying to own a house they want to sell. Search for homes listed 60+ days ago.

Is Texas City a renters' market or an owners' market?

In Texas City, 47 out of every 100 households rent. That is nearly half. The renter share is growing. Five years ago it was 45 in 100. 7.9% of homes sit empty. That is normal for a healthy market.

What rent can Texas City tenants afford?

A tenant on the median income can pay about $1,670 a month. That is the standard 30% affordability line. Rents above it thin your tenant pool fast. The median Texas City household earns $66,782 a year.