Market Overview
Home Prices in Plains, TX
The median home value in Plains, TX is $174,281 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.3% compared to a year ago and down 5.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Plains are priced57% below average.
Over the past five years, Plains home values have fallen by approximately12.4%, reflecting softening conditions in this market.
Price History
Plains Home Price Trend
2020
$183,992
$184K
—
2021
$198,992
$199K
+8.2%
2022
$199,264
$199K
+0.1%
2023
$191,445
$191K
-3.9%
2024
$184,451
$184K
-3.7%
2025
$174,866
$175K
-5.2%
2026
$174,281
$174K
-0.3%
City Comparison
Plains vs. National Median
🏠 Plains
$174,281
National Median
$410,000
At $174,281, homes in Plains cost 57% below the national median of $410,000. This makes Plains a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Plains?
20% Down Payment
$34,856
on $174,281
Monthly P&I
$909/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,154/mo
incl. taxes & insurance
Income Needed
$46,160
gross annual (30% rule)
10% Down Option
$17,428
+ PMI applies
Loan Amount (20% dn)
$139,425
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 Plains, TX?
The median home value in Plains is $174,281 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.3% year-over-year.
How much have home prices changed in Plains?
Over the past year, home values in Plains have decreased by 0.3%. Over five years, prices have fallen approximately 12.4%.
How much do I need to earn to buy a home in Plains?
To comfortably afford the median home price of $174,281 with a 20% down payment ($34,856) at today's rates (6.8%), you'd need a gross annual income of approximately $46,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Plains compare to the national average home price?
The national median home value is approximately $410,000. At $174,281, homes in Plains are 57% below the national average.