Market Overview
Home Prices in Shiner, TX
The median home value in Shiner, TX is $321,275 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.1% compared to a year ago and up 1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Shiner are priced22% below average.
Over the past five years, Shiner home values have risen by approximately16.7%, reflecting steady appreciation in this market.
Price History
Shiner Home Price Trend
2020
$234,597
$235K
—
2021
$275,413
$275K
+17.4%
2022
$321,807
$322K
+16.8%
2023
$310,357
$310K
-3.6%
2024
$317,703
$318K
+2.4%
2025
$320,855
$321K
+1.0%
2026
$321,275
$321K
+0.1%
City Comparison
Shiner vs. National Median
🏠 Shiner
$321,275
National Median
$410,000
At $321,275, homes in Shiner cost 22% below the national median of $410,000. This makes Shiner a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Shiner?
20% Down Payment
$64,255
on $321,275
Monthly P&I
$1,676/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,129/mo
incl. taxes & insurance
Income Needed
$85,160
gross annual (30% rule)
10% Down Option
$32,128
+ PMI applies
Loan Amount (20% dn)
$257,020
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 Shiner, TX?
The median home value in Shiner is $321,275 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.1% year-over-year.
How much have home prices changed in Shiner?
Over the past year, home values in Shiner have increased by 0.1%. Over five years, prices have risen approximately 16.7%.
How much do I need to earn to buy a home in Shiner?
To comfortably afford the median home price of $321,275 with a 20% down payment ($64,255) at today's rates (6.8%), you'd need a gross annual income of approximately $85,160. This assumes keeping total housing costs at or below 30% of gross income.
How does Shiner compare to the national average home price?
The national median home value is approximately $410,000. At $321,275, homes in Shiner are 22% below the national average.