How Much Is a 4 Bedroom House in Texas?

The Texas real estate market is dynamic, with property values influenced by diverse factors. Understanding the cost of a 4-bedroom house in Texas is complex. Home values, particularly for larger properties, fluctuate based on statewide trends and localized conditions. An exact cost depends on numerous elements unique to specific areas and properties.

General Price Overview for 4-Bedroom Homes in Texas

The statewide median home price in Texas provides a market overview. As of January 2025, the median home price was approximately $335,600. Figures change continuously, influenced by population growth and economic activity. Four-bedroom homes typically command prices above the general median due to their size.

The Texas housing market has seen continued demand, with prices rising, though slower than previous years. Inventory levels are increasing, offering more buyer options, and the time homes spend on the market has slightly risen. This indicates a transition to a more balanced market, away from intense seller’s conditions.

Key Elements Influencing a 4-Bedroom Home’s Value

Several distinct elements determine the market value of a 4-bedroom home. Factors range from geographical considerations to property attributes and economic conditions. Understanding these influences is important for comprehending price variations across the state.

Location plays a significant role in home valuation, beyond the city or town. Neighborhood desirability, proximity to amenities (shopping, employment centers), and school district quality directly impact property values. Factors such as local crime rates and accessibility to major transportation routes also influence a home’s worth.

Beyond location, property characteristics determine value. Square footage and lot size are key considerations, along with age and condition. The number of bathrooms, along with features like a garage, swimming pool, or recent upgrades, enhance appeal and price. Architectural style and energy-efficient improvements also contribute to the perceived value.

Local market dynamics further shape home prices, reflecting supply and demand. Current interest rates affect affordability and buyer demand, influencing sales speed and price. Strong local economies with job growth contribute to higher demand and appreciating values. Conversely, increased housing inventory or economic slowdown can moderate price growth.

Regional Price Variations for 4-Bedroom Homes

The cost of a 4-bedroom home in Texas varies across major metropolitan areas, reflecting diverse local economies and markets. While specific median prices for 4-bedroom homes are often aggregated within general housing data, these properties consistently fall above the overall median for each region.

In Houston, the median sale price for all homes was approximately $347,700 over the past year; many 4-bedroom homes are available. The market shifts dynamically in inventory and sales. Dallas-Fort Worth saw a median close price of around $400,000 for single-family homes (December 2024), influenced by rising active listings and a moderate increase in median price per square foot. Over a thousand 4-bedroom homes were available for sale in Dallas.

Austin, a rapidly growing city, had a median sale price of $556,000 for all homes in June 2025, reflecting a competitive market with quick sales. Four-bedroom homes in Austin typically exceed this median, aligning with its higher cost of living. San Antonio’s housing market had a median sale price of approximately $305,000 for all homes last year, with many 4-bedroom properties on the market. The median listing price was around $299,900 in June 2025.

El Paso is a more accessible market, with a median sale price for all homes around $255,000 in June 2025, and an average home value of $231,159. Over 1,700 4-bedroom homes were available in El Paso, offering options at lower price points compared to larger Texas metropolitan areas. These regional differences underscore the importance of local market research.

Additional Financial Considerations for 4-Bedroom Home Ownership

Beyond the initial purchase price, owning a 4-bedroom home in Texas involves ongoing financial commitments related to property taxes and homeowner’s insurance. These costs impact the total expense of homeownership.

Texas does not levy a state income tax, meaning local governments rely on property taxes to fund public services like schools, roads, and emergency services. The average effective property tax rate in Texas is approximately 1.8% of a property’s assessed value, higher than the national average. Rates vary widely by county, city, and school district. Taxes are calculated by multiplying the home’s appraised market value by combined local tax rates.

Homeowner’s insurance is a substantial recurring expense, especially in Texas, susceptible to weather events. The average annual cost for homeowner’s insurance in Texas can range from approximately $3,851 to $5,989, exceeding the national average. Cost is influenced by location, age, construction materials, dwelling coverage limits, and credit score. Standard homeowner’s insurance policies generally do not cover flood damage, necessitating a separate flood insurance policy in flood-prone areas.