Market Overview
Home Prices in Cactus, TX
The median home value in Cactus, TX is $210,767 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.4% compared to a year ago and up 3.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Cactus are priced49% below average. Cactus is part of the Dumas, TX metro area.
Price History
Cactus Home Price Trend
2022
$191,002
$191K
—
2023
$182,843
$183K
-4.3%
2024
$203,574
$204K
+11.3%
2025
$209,942
$210K
+3.1%
2026
$210,767
$211K
+0.4%
City Comparison
Cactus vs. National Median
🏠 Cactus
$210,767
National Median
$410,000
At $210,767, homes in Cactus cost 49% below the national median of $410,000. This makes Cactus a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Cactus?
20% Down Payment
$42,153
on $210,767
Monthly P&I
$1,099/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,396/mo
incl. taxes & insurance
Income Needed
$55,840
gross annual (30% rule)
10% Down Option
$21,077
+ PMI applies
Loan Amount (20% dn)
$168,614
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 Cactus, TX?
The median home value in Cactus is $210,767 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.4% year-over-year.
How much have home prices changed in Cactus?
Over the past year, home values in Cactus have increased by 0.4%.
How much do I need to earn to buy a home in Cactus?
To comfortably afford the median home price of $210,767 with a 20% down payment ($42,153) at today's rates (6.8%), you'd need a gross annual income of approximately $55,840. This assumes keeping total housing costs at or below 30% of gross income.
How does Cactus compare to the national average home price?
The national median home value is approximately $410,000. At $210,767, homes in Cactus are 49% below the national average.
What metro area is Cactus part of?
Cactus is part of the Dumas, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.