Home›Texas›Cumby
📍 Cumby, TX · Zillow ZHVI · July 2026

Average Home Price in
Cumby, TX

Sulphur Springs, TX metro area · Hopkins County County

Median Home Value
$283,341
↓ 6.3% year-over-year
vs. National Median
$410,000
Cumby is 31% below
Est. Monthly Payment
$1,478/mo
20% down · 6.8% rate
Income Needed
$75K
gross annual (30% rule)
Median Home Value
$283,341
↓ 6.3% year-over-year
Down Payment (20%)$56,668
Monthly P&I$1,478/mo
With Taxes & Ins.~$1,877/mo
Income Needed$75,080/yr
Data SourceZillow ZHVI
Market Overview

Home Prices in Cumby, TX

The median home value in Cumby, TX is $283,341 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 6.3% compared to a year ago and down 8.5% from two years prior.

Compared to the U.S. national median of $410,000, homes in Cumby are priced31% below average. Cumby is part of the Sulphur Springs, TX metro area.

City Comparison

Cumby vs. National Median

🏠 Cumby
$283,341
National Median
$410,000

At $283,341, homes in Cumby cost 31% below the national median of $410,000. This makes Cumby a relatively affordable market for buyers seeking value.

Affordability

What Does It Cost to Buy in Cumby?

20% Down Payment
$56,668
on $283,341
Monthly P&I
$1,478/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,877/mo
incl. taxes & insurance
Income Needed
$75,080
gross annual (30% rule)
10% Down Option
$28,334
+ PMI applies
Loan Amount (20% dn)
$226,673
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 Cumby, TX?
The median home value in Cumby is $283,341 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 6.3% year-over-year.
How much have home prices changed in Cumby?
Over the past year, home values in Cumby have decreased by 6.3%.
How much do I need to earn to buy a home in Cumby?
To comfortably afford the median home price of $283,341 with a 20% down payment ($56,668) at today's rates (6.8%), you'd need a gross annual income of approximately $75,080. This assumes keeping total housing costs at or below 30% of gross income.
How does Cumby compare to the national average home price?
The national median home value is approximately $410,000. At $283,341, homes in Cumby are 31% below the national average.
What metro area is Cumby part of?
Cumby is part of the Sulphur Springs, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.