Josephine, Texas.
Typical home $274,700 (-7.3% in a year). Dallas-Fort Worth-Arlington, TX metro.
to buy the typical home at today's mortgage rate — +$654 (+83%) since Jan 2020.
- 1 year
- Down $21,477 -7%
- $296,177$274,700 since Sep 2025
- 5 years
- Up $4,521 +2%
- $270,179$274,700 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.
- Josephine$1,442
- Texas$1,556
- United States$1,922
Typical home values in Josephine, TX fell 7.3% over the past year — slower than the nation's +1.2%.
Living in Josephine, Collin County, Texas
Josephine is a city of 2,119 people in Collin County. Half its households earn more than $91,000 a year and half less, against $121,600 across Collin County; 6% of its people live below the poverty line. 94% of its homes are lived in by their owners and 6% are rented. Unemployment in Collin County was 4.4% in August 2026, and the county had 2.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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 It can be wrong or out of date.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. Josephine is a small Texas city in Collin County where nearly everyone owns the home they live in. Residents are younger on average than in much of the country, and household incomes run below the county's, though few people live below the poverty line. Homes here are modestly priced for the area, and a four-year degree is held by fewer adults than you might expect for the county as a whole.
Work. Many residents work in schools, hospitals and social care, with others in manufacturing, professional and business services, and the building trades. Commutes are long, and a good number of people work from home. Across Collin County, some of the largest workplaces are Frisco ISD, Plano ISD and Collin County Community College District, and unemployment there has stayed close to where it was a year ago while the number of jobs has grown.
Things to do. Lavon Lake, a reservoir, is a short drive away, as are the Northeast Texas Trail and the Aviation Unmanned Vehicle Museum. For a longer outing, Lake Ray Hubbard is another reservoir within a longer drive. Winters are mild and rarely snowy, summers are hot, and rain falls through the year, so outdoor plans suit much of the calendar.
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- 1,844households
- 22%of adults have a degree
- 6%below the poverty line
- 49 mintypical commute
- 18%work from home
What residents work in
Employed residents by industry, from the Census survey. Collin County had 562,572 jobs in 2025, 2.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 54° and lows near 34°; warmest in August, with highs near 93° and lows near 73°. About 40 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Lavon Dam weather station, 10 miles away (NOAA).
Largest workplaces in Collin County
- Frisco ISDSchool district8,074FTE
- Plano ISDSchool district6,367FTE
- EricssonVoip service providers, using client-supplied telecommunications connections5,945
- Raytheon_McKinney_TX5,216
- Collin County Community College DistrictUniversity or college3,563
- Prosper ISDSchool district3,133FTE
- Mckinney ISDSchool district2,689FTE
- Allen ISDSchool district2,639FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 629 workplaces with 20 or more staff, 111,763 people in all across the county; Josephine has none of its own. School districts come from the Common Core of Data (NCES, 2023–24) 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
- TornadoesVery high
- HailVery high
- Heat wavesRelatively moderate
- Cold wavesRelatively moderate
- Inland floodingRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Josephine’s census tracts, against the rest of the country; all of them together, relatively high. 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 Collin County and the Dallas-Fort Worth-Arlington, TX metro.
Josephine home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Josephine$274,700
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 Josephine 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.
- Josephine31.10%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Josephine55
New listings per month
Sellers arriving at the market.
- Josephine11
Zip codes with a Josephine address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Josephine — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.