Caddo, Texas.
Typical home $379,397 (-3.5% in a year). Mineral Wells, TX metro.
to buy the typical home at today's mortgage rate — +$892 (+81%) since Jan 2020.
- 1 year
- Down $13,813 -4%
- $393,210$379,397 since Sep 2025
- 5 years
- Down $8,088 -2%
- $387,486$379,397 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.
- Caddo$1,991
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Caddo, TX fell 3.5% over the past year — slower than the nation's +1.2%.
Living in Caddo, Stephens County, Texas
The Census does not count Caddo on its own, so the figures here are Stephens County's. Half the county's households earn more than $58,008 a year and half less; 15% of the county's people live below the poverty line. 79% of the county's homes are lived in by their owners and 21% are rented. Unemployment in Stephens County was 4.6% in August 2026, and the county had 1.7% more jobs in 2025 than the year before. The most people in Stephens County work in schools and health care, then construction.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Caddo is a small town in Stephens County, Texas, where most homes are lived in by their owners rather than rented. Across the county, the median age is older than in many parts of the country, and the typical household income sits below the national level. Many residents have lived in the area for a long time, and the town's quiet pace reflects that.
Work. Unemployment across Stephens County has held steady over the past year, and the number of jobs grew slightly in the most recent year. Many residents work in schools, hospitals and social care, in the building trades, in farming, forestry and mining, or in manufacturing. A smaller share of adults hold a four-year degree than the national average, and few people work from home.
Things to do. Possum Kingdom State Park, a protected area a longer drive away, offers a place to spend time outdoors. Possum Kingdom Lake, a reservoir also a longer drive away, is another option for those who enjoy the water. Fort Belknap, a fort a longer drive away, gives a glimpse of the area's history.
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- 3,623households
- 42.0median age
- 17%of adults have a degree
- 15%below the poverty line
- 28 mintypical commute
- 4%work from home
What people in Stephens County work in
Employed residents by industry, from the Census survey. Stephens County had 3,309 jobs in 2025, 1.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 57° and lows near 28°; warmest in July, with highs near 96° and lows near 71°. About 2 inches of snow and 30 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Breckenridge weather station, 13 miles away (NOAA).
Largest workplaces in Stephens County
- Breckenridge ISDSchool district238FTE
- WalmartWarehouse clubs and supercenters148
- Jonell SystemsFilters, industrial and general purpose-type, manufacturing126
- RaydonExcavation contractors96
- Stephens Memorial HospitalGeneral hospital88FTE
- United SupermarketsSupermarket50
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 4 workplaces with 20 or more staff, 420 people in all. School districts come 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
FEMA rates every natural hazard here relatively low or very low.
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Stephens County, against the rest of the country; all of them together, very low. 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 Stephens County and the Mineral Wells, TX metro.
Caddo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Caddo$379,397
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 5 Caddo 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.
- Caddo20.70%
- United States25.56%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Caddo20
Zip codes with a Caddo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Caddo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.