El Paso, Texas.
Typical home $237,556 (+2.6% in a year), asking rent $1,508 (+3.4%). El Paso, TX metro.
to buy the typical home at today's mortgage rate — +$708 (+131%) since Jan 2020.
- 1 year
- Up $5,927 +3%
- $231,629$237,556 since Sep 2025
- 5 years
- Up $57,878 +32%
- $179,678$237,556 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.
- El Paso$1,247
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 12 years.
Typical home values in El Paso, TX rose 2.6% over the past year — faster than the nation's +1.2%.
Asking rents in El Paso, TX rose 3.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in El Paso runs $395/mo more than renting one. The gap peaked at $450 in Oct 2023.
That is $1,903 a month against $1,508 rent: a $1,247 mortgage payment, plus $402 property tax and $254 insurance & upkeep.
Owning vs renting — El Paso
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$1,903
- Renting$1,508
- Mortgage only$1,247
Property tax · $402/mo 2.03% of value a year — the ACS 2020-2024 median bill over the median home value for El Paso County, TX
Insurance & upkeep · $254/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in El Paso, El Paso County, Texas
El Paso is a city of 678,815 people in El Paso County. Half its households earn more than $59,745 a year and half less, against $59,806 across El Paso County; 18% of its people live below the poverty line. 61% of its homes are lived in by their owners and 39% are rented. Unemployment in El Paso was 4.5% in August 2026, and El Paso County had 1.2% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
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. El Paso is a large city on the Texas border, home to a younger population than much of the country. Incomes sit right about where they do across El Paso County, and a good share of households live below the poverty line. Most homes are lived in by their owners, though a sizable number of people rent, and a four-year degree is held by a smaller portion of adults than in many cities.
Work. Many residents work in schools, hospitals and social care, and in professional and business services, with shops, restaurants and hotels also employing a lot of people. Among the largest workplaces in El Paso are El Paso ISD, University Medical Center of El Paso and The University of Texas at El Paso. Most people have a moderate commute, and only a small group work from home.
Things to do. The El Paso Zoo and the El Paso Museum of Art are both a short drive away. For time outdoors, Franklin Mountains State Park is also a short drive away, a protected area of desert mountain country. Winters are mild and rarely snowy, summers are very hot, and the air is dry enough that rain and snow are scarce through the year.
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- 245,346households
- 28%of adults have a degree
- 18%below the poverty line
- 23 mintypical commute
- 9%work from home
What residents work in
Employed residents by industry, from the Census survey. El Paso County had 338,016 jobs in 2025, 1.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in December, with highs near 58° and lows near 34°; warmest in June, with highs near 97° and lows near 71°. About 3 inches of snow and 9 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the El Paso International Airport weather station, 4 miles away (NOAA).
Largest workplaces in El Paso
- El Paso ISDSchool district7,261FTE
- Ysleta ISDSchool district5,878FTE
- Socorro ISDSchool district5,375FTE
- University Medical Center of El PasoGeneral hospital3,588FTE
- The University of Texas at El PasoUniversity or college3,048
- El Paso Community CollegeTwo-year college2,316
- Las Palmas Medical CenterGeneral hospital2,112FTE
- Texas Tech University Health Sciences Center-El PasoUniversity or college1,807
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 394 workplaces with 20 or more staff, 54,467 people in all. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) and colleges from IPEDS (NCES, 2023–24); 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
- HailRelatively high
- LightningRelatively high
- Winter weatherRelatively high
- Heat wavesrelatively high in parts of El PasoRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in El Paso’s census tracts, against the rest of the country; all of them together, relatively 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 El Paso County and the El Paso, TX metro.
El Paso home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- El Paso$237,556
- Texas$296,424
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 5 El Paso listings, and the typical home goes pending in 30 days — 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.
- El Paso18.21%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- El Paso30
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- El Paso2,682
New listings per month
Sellers arriving at the market.
- El Paso676
Median sale price
What buyers actually paid — closed sales, not asking prices.
- El Paso$259,071
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- El Paso98.92%
Zip codes with a El Paso address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls El Paso — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in El Paso
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 79936 | El Paso | 102,991 | $1,440 | $224,897 |
| 79938 | El Paso | 99,621 | $1,747 | $256,135 |
| 79928 | El Paso | 86,599 | $1,808 | $262,067 |
| 79912 | El Paso | 78,819 | $1,554 | $320,367 |
| 79924 | El Paso | 60,364 | $1,331 | $194,573 |
| 79907 | El Paso | 46,365 | $1,288 | $179,541 |
| 79925 | El Paso | 38,621 | $1,326 | $239,822 |
| 79915 | El Paso | 34,230 | $1,254 | $174,222 |
| 79904 | El Paso | 32,976 | $1,161 | $188,983 |
| 79932 | El Paso | 30,786 | $1,804 | $328,402 |
| 79934 | El Paso | 28,861 | $1,803 | $253,389 |
| 79930 | El Paso | 24,123 | $1,296 | $181,916 |
| 79905 | El Paso | 22,594 | $1,205 | $159,909 |
| 79902 | El Paso | 19,031 | $1,149 | $278,587 |
| 79935 | El Paso | 18,720 | $1,152 | $243,079 |
| 79903 | El Paso | 14,715 | $1,143 | $180,179 |
| 79835 | Canutillo | 11,440 | — | $222,472 |
| 79911 | El Paso | 10,192 | $2,407 | $400,177 |
| 79901 | El Paso | 8,554 | $679 | $130,485 |
| 79922 | El Paso | 6,800 | — | $430,754 |