Market Overview
Home Prices in South Mountain, TX
The median home value in South Mountain, TX is $263,812 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 3.3% compared to a year ago and up 0.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in South Mountain are priced36% below average. South Mountain is part of the Killeen-Temple, TX metro area.
Price History
South Mountain Home Price Trend
2022
$253,000
$253K
—
2023
$262,427
$262K
+3.7%
2024
$255,051
$255K
-2.8%
2025
$255,467
$255K
+0.2%
2026
$263,812
$264K
+3.3%
City Comparison
South Mountain vs. National Median
🏠 South Mountain
$263,812
National Median
$410,000
At $263,812, homes in South Mountain cost 36% below the national median of $410,000. This makes South Mountain a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in South Mountain?
20% Down Payment
$52,762
on $263,812
Monthly P&I
$1,376/mo
30-yr @ 6.8%
Total Monthly Est.
~$1,748/mo
incl. taxes & insurance
Income Needed
$69,920
gross annual (30% rule)
10% Down Option
$26,381
+ PMI applies
Loan Amount (20% dn)
$211,050
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 South Mountain, TX?
The median home value in South Mountain is $263,812 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 3.3% year-over-year.
How much have home prices changed in South Mountain?
Over the past year, home values in South Mountain have increased by 3.3%.
How much do I need to earn to buy a home in South Mountain?
To comfortably afford the median home price of $263,812 with a 20% down payment ($52,762) at today's rates (6.8%), you'd need a gross annual income of approximately $69,920. This assumes keeping total housing costs at or below 30% of gross income.
How does South Mountain compare to the national average home price?
The national median home value is approximately $410,000. At $263,812, homes in South Mountain are 36% below the national average.
What metro area is South Mountain part of?
South Mountain is part of the Killeen-Temple, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.