Market Overview
Home Prices in Breckenridge, TX
The median home value in Breckenridge, TX is $140,190 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5% compared to a year ago and down 6.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Breckenridge are priced66% below average.
Over the past five years, Breckenridge home values have fallen by approximately15.7%, reflecting softening conditions in this market.
Price History
Breckenridge Home Price Trend
2020
$147,564
$148K
—
2021
$166,308
$166K
+12.7%
2022
$208,313
$208K
+25.3%
2023
$171,862
$172K
-17.5%
2024
$157,292
$157K
-8.5%
2025
$147,535
$148K
-6.2%
2026
$140,190
$140K
-5.0%
City Comparison
Breckenridge vs. National Median
🏠 Breckenridge
$140,190
National Median
$410,000
At $140,190, homes in Breckenridge cost 66% below the national median of $410,000. This makes Breckenridge a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Breckenridge?
20% Down Payment
$28,038
on $140,190
Monthly P&I
$731/mo
30-yr @ 6.8%
Total Monthly Est.
~$928/mo
incl. taxes & insurance
Income Needed
$37,120
gross annual (30% rule)
10% Down Option
$14,019
+ PMI applies
Loan Amount (20% dn)
$112,152
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 Breckenridge, TX?
The median home value in Breckenridge is $140,190 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5% year-over-year.
How much have home prices changed in Breckenridge?
Over the past year, home values in Breckenridge have decreased by 5%. Over five years, prices have fallen approximately 15.7%.
How much do I need to earn to buy a home in Breckenridge?
To comfortably afford the median home price of $140,190 with a 20% down payment ($28,038) at today's rates (6.8%), you'd need a gross annual income of approximately $37,120. This assumes keeping total housing costs at or below 30% of gross income.
How does Breckenridge compare to the national average home price?
The national median home value is approximately $410,000. At $140,190, homes in Breckenridge are 66% below the national average.