Market Overview
Home Prices in Tioga, TX
The median home value in Tioga, TX is $384,712 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 5.4% compared to a year ago and down 0.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Tioga are priced6% below average. Tioga is part of the Sherman-Denison, TX metro area.
Over the past five years, Tioga home values have risen by approximately21.5%, reflecting strong long-term appreciation in this market.
Price History
Tioga Home Price Trend
City Comparison
Tioga vs. National Median
At $384,712, homes in Tioga cost 6% below the national median of $410,000. This makes Tioga a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Tioga?
20% Down Payment
$76,942
on $384,712
Monthly P&I
$2,006/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,548/mo
incl. taxes & insurance
Income Needed
$101,920
gross annual (30% rule)
10% Down Option
$38,471
+ PMI applies
Loan Amount (20% dn)
$307,770
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 Tioga, TX?
The median home value in Tioga is $384,712 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 5.4% year-over-year.
How much have home prices changed in Tioga?
Over the past year, home values in Tioga have decreased by 5.4%. Over five years, prices have risen approximately 21.5%.
How much do I need to earn to buy a home in Tioga?
To comfortably afford the median home price of $384,712 with a 20% down payment ($76,942) at today's rates (6.8%), you'd need a gross annual income of approximately $101,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Tioga compare to the national average home price?
The national median home value is approximately $410,000. At $384,712, homes in Tioga are 6% below the national average.
What metro area is Tioga part of?
Tioga is part of the Sherman-Denison, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.