Market Overview
Home Prices in Alto, TX
The median home value in Alto, TX is $211,748 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 12% compared to a year ago and up 0.7% from two years prior.
Compared to the U.S. national median of $410,000, homes in Alto are priced48% below average. Alto is part of the Jacksonville, TX metro area.
Price History
Alto Home Price Trend
2022
$229,890
$230K
—
2023
$230,237
$230K
+0.2%
2024
$239,020
$239K
+3.8%
2025
$240,586
$241K
+0.7%
2026
$211,748
$212K
-12.0%
City Comparison
Alto vs. National Median
🏠 Alto
$211,748
National Median
$410,000
At $211,748, homes in Alto cost 48% below the national median of $410,000. This makes Alto a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Alto?
20% Down Payment
$42,350
on $211,748
Monthly P&I
$1,104/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,402/mo
incl. taxes & insurance
Income Needed
$56,080
gross annual (30% rule)
10% Down Option
$21,175
+ PMI applies
Loan Amount (20% dn)
$169,398
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Alto, TX?
The median home value in Alto is $211,748 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 12% year-over-year.
How much have home prices changed in Alto?
Over the past year, home values in Alto have decreased by 12%.
How much do I need to earn to buy a home in Alto?
To comfortably afford the median home price of $211,748 with a 20% down payment ($42,350) at today's rates (6.8%), you'd need a gross annual income of approximately $56,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Alto compare to the national average home price?
The national median home value is approximately $410,000. At $211,748, homes in Alto are 48% below the national average.
What metro area is Alto part of?
Alto is part of the Jacksonville, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.