Market Overview
Home Prices in Mountain City, TX
The median home value in Mountain City, TX is $471,452 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4.6% compared to a year ago and down 4.8% from two years prior.
Compared to the U.S. national median of $410,000, homes in Mountain City are priced15% above average. Mountain City is part of the Austin-Round Rock-Georgetown, TX metro area.
Over the past five years, Mountain City home values have fallen by approximately9.6%, reflecting softening conditions in this market.
Price History
Mountain City Home Price Trend
City Comparison
Mountain City vs. National Median
At $471,452, homes in Mountain City cost 15% above the national median of $410,000. Buyers in Mountain City should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Mountain City?
20% Down Payment
$94,290
on $471,452
Monthly P&I
$2,459/mo
30-yr @ 6.8%
Total Monthly Est.
~$3,123/mo
incl. taxes & insurance
Income Needed
$124,920
gross annual (30% rule)
10% Down Option
$47,145
+ PMI applies
Loan Amount (20% dn)
$377,162
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 Mountain City, TX?
The median home value in Mountain City is $471,452 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4.6% year-over-year.
How much have home prices changed in Mountain City?
Over the past year, home values in Mountain City have decreased by 4.6%. Over five years, prices have fallen approximately 9.6%.
How much do I need to earn to buy a home in Mountain City?
To comfortably afford the median home price of $471,452 with a 20% down payment ($94,290) at today's rates (6.8%), you'd need a gross annual income of approximately $124,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Mountain City compare to the national average home price?
The national median home value is approximately $410,000. At $471,452, homes in Mountain City are 15% above the national average.
What metro area is Mountain City part of?
Mountain City is part of the Austin-Round Rock-Georgetown, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.