Market Overview
Home Prices in Stephenville, TX
The median home value in Stephenville, TX is $326,429 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 0.5% compared to a year ago and up 1.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Stephenville are priced20% below average. Stephenville is part of the Stephenville, TX metro area.
Over the past five years, Stephenville home values have risen by approximately33.4%, reflecting strong long-term appreciation in this market.
Price History
Stephenville Home Price Trend
City Comparison
Stephenville vs. National Median
At $326,429, homes in Stephenville cost 20% below the national median of $410,000. This makes Stephenville a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Stephenville?
20% Down Payment
$65,286
on $326,429
Monthly P&I
$1,702/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,162/mo
incl. taxes & insurance
Income Needed
$86,480
gross annual (30% rule)
10% Down Option
$32,643
+ PMI applies
Loan Amount (20% dn)
$261,143
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 Stephenville, TX?
The median home value in Stephenville is $326,429 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 0.5% year-over-year.
How much have home prices changed in Stephenville?
Over the past year, home values in Stephenville have decreased by 0.5%. Over five years, prices have risen approximately 33.4%.
How much do I need to earn to buy a home in Stephenville?
To comfortably afford the median home price of $326,429 with a 20% down payment ($65,286) at today's rates (6.8%), you'd need a gross annual income of approximately $86,480. This assumes keeping total housing costs at or below 30% of gross income.
How does Stephenville compare to the national average home price?
The national median home value is approximately $410,000. At $326,429, homes in Stephenville are 20% below the national average.
What metro area is Stephenville part of?
Stephenville is part of the Stephenville, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.