Graham, Texas.
Typical home $213,587 (-0.4% in a year).
to buy the typical home at today's mortgage rate — +$630 (+128%) since Jan 2020.
- 1 year
- Down $834 -0%
- $214,422$213,587 since Sep 2025
- 5 years
- Up $39,883 +23%
- $173,704$213,587 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.
- Graham$1,121
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Graham, TX fell 0.4% over the past year — slower than the nation's +1.2%.
Living in Graham, Young County, Texas
Graham is a city of 8,732 people in Young County. Half its households earn more than $63,587 a year and half less, against $68,010 across Young County; 18% of its people live below the poverty line. 67% of its homes are lived in by their owners and 33% are rented. Unemployment in Young County was 3.6% in August 2026, and the county had 0.5% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then other 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 It can be wrong or out of date.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. Graham is a small city and the seat of Young County, Texas, with a population that has stayed modest. Most homes are lived in by their owners, and typical home values are fairly low. Household incomes run below the county's, and more people live below the poverty line than many would expect for a town this size. Winters are mild and brief, with chilly nights, while summers are long and very hot, and rain and a little melted snow fall through the year.
Work. Many residents work in schools, hospitals and social care, with others in other services, manufacturing and shops. Graham ISD, Walmart and United Supermarkets are among the largest workplaces in town. Commutes are short, and almost no one works from home. Unemployment in the county is low, though the county had slightly fewer jobs last year than the year before.
Things to do. Water is the main draw. Lake Graham and Lake Eddleman are reservoirs a short drive away, and the Clear Fork Brazos River is also close by. Steer Stadium sits in or beside town, and Possum Kingdom State Park is a longer drive away for those who want to spend a day outdoors.
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- 3,566households
- 24%of adults have a degree
- 18%below the poverty line
- 15 mintypical commute
- 1%work from home
What residents work in
Employed residents by industry, from the Census survey. Young County had 6,974 jobs in 2025, 0.5% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 57° and lows near 30°; warmest in July, with highs near 98° and lows near 73°. About 30 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Graham weather station, 2 miles away (NOAA).
Largest workplaces in Graham
- Graham ISDSchool district323FTE
- WalmartWarehouse clubs and supercenters241
- United SupermarketsSupermarket130
- Graham Oaks Care & Rehab CenterNursing homes99
- Sagora Senior LivingAssisted living facilities of elderly53
- Lifecare Home Health FamilyHome health agencies30
- SLP OperationsSkilled nursing facilities20
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 6 workplaces with 20 or more staff, 573 people in all. School districts come from the Common Core of Data (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
- Strong windRelatively high
- HailRelatively high
- TornadoesRelatively high
- Droughtrelatively high in parts of GrahamRelatively moderate
- WildfireRelatively moderate
- Heat wavesrelatively high in parts of GrahamRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Graham’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 Young County.
Graham home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Graham$213,587
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Graham 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.
- Graham22.71%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Graham97
New listings per month
Sellers arriving at the market.
- Graham13
Zip codes with a Graham address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Graham — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.