Bonham, Texas.
Typical home $224,874 (-3.7% in a year), asking rent $1,535 . Bonham, TX metro.
to buy the typical home at today's mortgage rate — +$598 (+103%) since Jan 2020.
- 1 year
- Down $8,522 -4%
- $233,395$224,874 since Sep 2025
- 5 years
- Up $21,835 +11%
- $203,039$224,874 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Bonham$1,180
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 34 years.
Typical home values in Bonham, TX fell 3.7% over the past year — slower than the nation's +1.2%.
Living in Bonham, Fannin County, Texas
Bonham is a city of 10,408 people in Fannin County. Half its households earn more than $57,681 a year and half less, against $72,295 across Fannin County; 22% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Fannin County was 4.2% in August 2026, and the county had 3.5% more jobs in 2025 than the year before. The most residents work in manufacturing, then schools and health care.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Bonham is a small city and the seat of Fannin County in northeast Texas. Most homes are lived in by their owners, though renters are a real part of the town, and household incomes run below the county's, with more people living below the poverty line than is typical. Winters are mild and cool, summers are hot, and snow is rare, with a fair amount of rain through the year.
Work. Residents work mainly in manufacturing, in schools, hospitals and social care, in professional and business services, and in shops. Among the largest workplaces in Bonham are the Veterans Health Administration, Bonham ISD and Clayton, a maker of manufactured homes. Few adults hold a four-year degree, and the typical commute is short, with a modest number working from home.
Things to do. Bonham State Park and Lake Bonham, a protected area and a reservoir, are both a short drive away, and Bois d'Arc Lake, another reservoir, is close by as well. Lake Texoma, a larger reservoir, takes a longer drive.
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- 2,875households
- 15%of adults have a degree
- 22%below the poverty line
- 22 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Fannin County had 8,995 jobs in 2025, 3.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 53° and lows near 33°; warmest in August, with highs near 94° and lows near 72°. About 1 inches of snow and 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Bonham 3NNE weather station, 4 miles away (NOAA).
Largest workplaces in Bonham
- Veterans Health AdministrationFederal government · Department of Veterans Affairs704
- Bonham ISDSchool district307FTE
- ClaytonManufactured home manufacturing238
- Tongrun InternationalSheet meta manufacturing153
- TMC Bonham HospitalCritical access hospital112FTE
- Carris Reels BonhamApplicators, wood, manufacturing106
- Brookshire'sSupermarkets and other grocery retailers88
- Nexion HealthSkilled nursing facilities57
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 10 workplaces with 20 or more staff, 974 people in all. Federal offices come from OPM's federal workforce data (2026), school districts from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- TornadoesVery high
- Heat wavesVery high
- Ice stormsRelatively high
- HailRelatively high
- Strong windRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Bonham’s census tracts, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Fannin County and the Bonham, TX metro.
Bonham home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Bonham$224,874
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Bonham listings — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Bonham26.21%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bonham128
New listings per month
Sellers arriving at the market.
- Bonham20
Zip codes with a Bonham address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bonham — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.