Market Overview
Home Prices in Lincoln, TX
The median home value in Lincoln, TX is $514,229 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 2.2% compared to a year ago and up 7.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Lincoln are priced25% above average.
Price History
Lincoln Home Price Trend
2022
$497,883
$498K
—
2023
$458,475
$458K
-7.9%
2024
$469,346
$469K
+2.4%
2025
$503,325
$503K
+7.2%
2026
$514,229
$514K
+2.2%
City Comparison
Lincoln vs. National Median
🏠 Lincoln
$514,229
National Median
$410,000
At $514,229, homes in Lincoln cost 25% above the national median of $410,000. Buyers in Lincoln should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Lincoln?
20% Down Payment
$102,846
on $514,229
Monthly P&I
$2,682/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,406/mo
incl. taxes & insurance
Income Needed
$136,240
gross annual (30% rule)
10% Down Option
$51,423
+ PMI applies
Loan Amount (20% dn)
$411,383
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 Lincoln, TX?
The median home value in Lincoln is $514,229 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 2.2% year-over-year.
How much have home prices changed in Lincoln?
Over the past year, home values in Lincoln have increased by 2.2%.
How much do I need to earn to buy a home in Lincoln?
To comfortably afford the median home price of $514,229 with a 20% down payment ($102,846) at today's rates (6.8%), you'd need a gross annual income of approximately $136,240. This assumes keeping total housing costs at or below 30% of gross income.
How does Lincoln compare to the national average home price?
The national median home value is approximately $410,000. At $514,229, homes in Lincoln are 25% above the national average.