Laredo, Texas.
Typical home $219,517 (+2.0% in a year), asking rent $1,129 (+1.0%). Laredo, TX metro.
to buy the typical home at today's mortgage rate — +$521 (+82%) since Jan 2020.
- 1 year
- Up $4,220 +2%
- $215,297$219,517 since Sep 2025
- 5 years
- Up $21,157 +11%
- $198,359$219,517 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.
- Laredo$1,152
- 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 Laredo, TX rose 2.0% over the past year — faster than the nation's +1.2%.
Asking rents in Laredo, TX rose 1.0% over the past year — slower than the nation's +2.7%.
Owning the typical home in Laredo runs $587/mo more than renting one. The gap peaked at $683 in Oct 2023.
That is $1,717 a month against $1,129 rent: a $1,152 mortgage payment, plus $330 property tax and $235 insurance & upkeep.
Owning vs renting — Laredo
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$1,717
- Renting$1,129
- Mortgage only$1,152
Property tax · $330/mo 1.80% of value a year — the ACS 2020-2024 median bill over the median home value for Webb County, TX
Insurance & upkeep · $235/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 Laredo, Webb County, Texas
Laredo is a city of 255,205 people in Webb County. Half its households earn more than $63,915 a year and half less, against $63,058 across Webb County; 21% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Laredo was 4.4% in August 2026, and Webb County had 1.4% more jobs in 2025 than the year before. The most residents work in schools and health care, then transport and warehouses.
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. Laredo is a large city on the Rio Grande, in Webb County, and its people are young for an American city. Most homes are lived in by their owners, and household incomes sit close to the county's. A good many residents live below the poverty line, and a four-year degree is held by fewer adults than in much of the country. Winters are mild, summers are very hot, and snow is rare. Rainfall is modest through the year.
Work. Many residents work in schools, hospitals and social care, with others in transport, warehouses and utilities, in shops, and in restaurants, hotels and entertainment. Among the largest workplaces in Laredo are United ISD, Laredo ISD and Laredo Medical Center. Unemployment is a little lower than a year ago, and the county has added jobs over the past year. Most people have a fairly short commute, and few work from home.
Things to do. Lake Casa Blanca and the international state park around it are in or beside town, a place for time by the water and outdoors. Fort McIntosh, a historic fort, is a short drive away, as is the Republic of the Rio Grande Capitol Building Museum, which tells part of the region's past. For sports, Laredo Energy Arena is a stadium in or beside town.
Report a mistake
- 78,082households
- 22%of adults have a degree
- 21%below the poverty line
- 22 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Webb County had 108,931 jobs in 2025, 1.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 68° and lows near 47°; warmest in August, with highs near 101° and lows near 77°. About 20 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Laredo weather station, under a mile away (NOAA).
Largest workplaces in Laredo
- United ISDSchool district6,275FTE
- Laredo ISDSchool district3,584FTE
- Laredo Medical CenterGeneral hospital1,116FTE
- Texas A & M International UniversityUniversity or college925
- Doctors Hospital of LaredoGeneral hospital792FTE
- Deployed ServicesFacilities support services575
- H-E-BRetail396
- Legends GlobalManagers of live performing arts productions with facilities388
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 118 workplaces with 20 or more staff, 12,561 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
- Heat wavesRelatively high
- Cold wavesRelatively high
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Laredo’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 Webb County and the Laredo, TX metro.
Laredo home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Laredo$219,517
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 6 Laredo listings, and the typical home goes pending in 55 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.
- Laredo16.32%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Laredo55
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Laredo756
New listings per month
Sellers arriving at the market.
- Laredo155
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Laredo$255,227
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Laredo97.02%
Zip codes with a Laredo address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Laredo — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Laredo
| 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 |
|---|---|---|---|---|
| 78046 | Laredo | 72,951 | $1,086 | $194,263 |
| 78045 | Laredo | 67,333 | $1,381 | $295,277 |
| 78041 | Laredo | 46,550 | $1,100 | $243,713 |
| 78043 | Laredo | 45,760 | $1,021 | $177,110 |
| 78040 | Laredo | 35,709 | $800 | $130,875 |