The Fred Hartman Bridge over the Houston Ship Channel at Baytown, Texas

Photo: Fred Hartman Bridge by Patrick Feller, CC BY 2.0 (cropped)

Buying a home in Baytown, TX

What Baytown homes cost, how fast they sell, the real monthly payment with taxes and insurance, and what your budget buys, from 1,442 HAR MLS sales. Updated October 2026.

Talk to a Baytown buyer's agentSelling in Baytown?

Is it a good time to buy a house in Baytown, TX?

Baytown is a seller's market with 3.8 months of homes for sale (455 active single-family listings). Homes sold for a median 98.0% of list price after 32 days, and 71% of sellers paid toward the buyer's closing costs (median $7,500), so there is room to negotiate on homes that have sat.

The Baytown home market, October 2026

From our monthly market report: resale single-family homes closed 2025-10-18 to 2026-10-18, HAR MLS.

Median sale price · 12 mo
$255,000 ▼ 2.7%
Last 3 months $255K · 912 resales
Price per sq ft · 12 mo
$138 ▼ 1.3%
Median 1,904 sq ft · built 1999
Days on market · 12 mo
34 days ▲ 6 days
CDOM 52 · 99.1% of list · 71% below original ask
Cash buy target · 12 mo
$156,000 ▼ 5.5%
Median fixer-upper sale (109) · 30% below updated $/sq ft · cash sales $155K
Seller concessions · 12 mo
58% ▲ 2 pts
of sales · median $7,500 (3.0%)
Median rent, houses · 12 mo
$1,900 ▲ 3.0%
469 leases · $1.16/sq ft · 3-bed $1,850
2024-102026-10$245K
Median resale price by month, 24 months (gray = the year before).

▲▼ = change vs the 12 months before (2024-10-18 to 2025-10-18). Resale single-family houses, new construction excluded.

Seller's market3.8 months of inventory

457 single-family homes active, 124 pending, against 121 closings a month (new builds included). Under 4 months favors sellers, over 6 favors buyers.

All single-family sales including new construction: median $268,000; new construction 37% of sales at a median $289,990. For sale today: 455 homes at a median list price of $265,000, on the market a median 53 days; 124 under contract. 7% of homes sold have a pool.

The real monthly payment

For the median Baytown home ($268,000) with 10% down ($26,800) at the 7.40% 30-year average (2026-10-15).

Property tax at the median MLS rate before any homestead exemption; insurance 0.9% of price a year; HOA averaged across homes. Mortgage insurance, if any, is extra. Get a lender quote for your own number.

Principal + interest$1,670
Property tax (2.58%)$575
Homeowners insurance$201
HOA (average)$43
Estimated payment / month$2,489

For comparison, a 3-bedroom house in Baytown rents for a median $1,850 a month.

What your budget buys in Baytown

The typical home sold in each price range, last 12 months (new construction included).

Price rangeMedian sq ftBedroomsBuiltNew constructionHomes sold
Under $250K1,5223198428%574
$250K–$350K2,0454202244%626
$350K–$450K2,7244202450%161
$450K–$600K2,7944200832%41
$600K and up3,2034201312%40

Baytown by ZIP code

ZIP codes with at least 20 single-family sales in the last 12 months. Flood claims are FEMA flood insurance claims in 10 years.

ZIPMedian pricePrice / sq ftMedian sq ftDays on marketFor sale nowFlood claims (10 yr)
77521$259,786$1391,90027311925
77523$331,690$1572,1804485
77520$199,000$1291,55935131382
Costs and risks to check
In 100-year flood zone
3% of resale homes sold
Flood claims, 10 years
1,312 FEMA NFIP, city ZIP codes
Property tax rate
2.58% median on MLS, incl. MUD/PID
HOA
$420/yr 53% of homes · check lease rules
Insurance (estimate)
0.9% of value ≈ $143/mo
Cash buyers
24% of 82 sales reporting terms
Days to lease
26 days ▲ 4 days
Rental supply
3.1 mo 138 for lease now

Rates: 30-year fixed average 7.40% (2026-10-15), 6.27% a year earlier; 15-year 6.71% (Freddie Mac via FRED). Investor DSCR loan quote 7.875% (Blink Lending, 2026-10-14).

Buying in Baytown: questions we hear

How much is a house in Baytown, TX?
The median single-family home in Baytown sold for $268,000 over the last 12 months (1,442 sales), $141 per square foot. Resales: $255,000; new construction: $289,990 (37% of sales). Homes for sale today list at a median $265,000.
What is the monthly payment on a $268,000 house in Baytown?
About $2,489 a month with 10% down ($26,800) at the 7.40% 30-year average rate: $1,670 principal and interest, $575 property tax at Baytown's median 2.58% rate, $201 insurance and $43 HOA. A homestead exemption lowers the tax once you live there; mortgage insurance may apply under 20% down. A 3-bedroom house rents for about $1,850 here.
What are property taxes in Baytown, TX?
The median total tax rate on homes sold in Baytown was 2.58% (all taxing units combined, including MUD or PID districts where they apply). Texas has no state income tax, so local property taxes are higher than most states. 69% of homes sold have an HOA (median $750 a year).
What school districts serve Baytown?
Homes sold in Baytown in the last 12 months were in Goose Creek Consolidated ISD, Barbers Hill ISD. Districts follow property lines, not city or ZIP lines, so check the district for each address you consider.
What can I buy in Baytown for my budget?
In the $250K–$350K range, the typical Baytown home sold was 2,045 square feet with 4 bedrooms, built around 2022. Every price range is in the table on this page.
Does Baytown flood?
3% of resale homes sold in Baytown sit in a FEMA 100-year flood zone, and the city's ZIP codes had 1,312 flood insurance claims in 10 years. Check the flood zone and the seller's disclosure for every home, and quote flood insurance before you offer.

Looking somewhere else around Houston?

Buying to rent it out? See rents and cash flow in Baytown. Already own here? See what Baytown homes sell for.

Sources: HAR MLS closed sales, active listings and leases (single-family homes); Freddie Mac 30-year average rate via FRED; FEMA National Flood Insurance Program claims (OpenFEMA). Data as of 2026-10-20; medians for the Baytown postal city (Harris and Chambers counties). Based on information from the Houston Association of REALTORS® MLS; not guaranteed accurate. School district names come from MLS records; verify for each address.

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