Mount Vernon, Texas.
Typical home $264,695 (+3.5% in a year).
to buy the typical home at today's mortgage rate — +$747 (+116%) since Jan 2020.
- 1 year
- Up $9,035 +4%
- $255,660$264,695 since Sep 2025
- 5 years
- Up $34,881 +15%
- $229,814$264,695 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.
- Mount Vernon$1,389
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 25 years.
Typical home values in Mount Vernon, TX rose 3.5% over the past year — faster than the nation's +1.2%.
Living in Mount Vernon, Franklin County, Texas
Mount Vernon is a town of 2,491 people in Franklin County. 68% of its homes are lived in by their owners and 32% are rented. Unemployment in Franklin County was 4.3% in August 2026, and the county had 1.3% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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 It can be wrong or out of date.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. Mount Vernon is the seat of Franklin County in northeast Texas, a small town where most homes are lived in by their owners. The population is younger than many small towns, and incomes sit a little below the county's. Winters are mild and brief, with snow only now and then, while summers run hot and the year brings a fair amount of rain.
Work. Many residents work in schools, hospitals and social care, in shops, and in professional and business services, with some in manufacturing. Among the largest workplaces in town are Mount Vernon ISD, Brookshire's and Caraday of Mount Vernon. Commutes are fairly short, and few people work from home.
Things to do. Lake Cypress Springs, a reservoir, is a short drive away and is the nearest place to get out on the water. Farther afield, Lake Bob Sandlin State Park is a protected area on a lake, and the Hopkins County Museum and Heritage Park is a museum that is a longer drive away.
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- 851households
- 15%of adults have a degree
- 11%below the poverty line
- 26 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Franklin County had 3,694 jobs in 2025, 1.3% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 56° and lows near 34°; warmest in August, with highs near 95° and lows near 72°. About 2 inches of snow and 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Mount Vernon weather station, a mile away (NOAA).
Largest workplaces in Mount Vernon
- Mount Vernon ISDSchool district224FTE
- Brookshire'sSupermarkets and other grocery retailers84
- Caraday of Mount VernonNursing homes31
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 115 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
- DroughtRelatively high
- Ice stormsRelatively high
- TornadoesRelatively high
- Strong windRelatively high
- HailRelatively moderate
- Heat wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Mount Vernon’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 Franklin County.
Mount Vernon home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Mount Vernon$264,695
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Mount Vernon 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.
- Mount Vernon27.34%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Mount Vernon47
New listings per month
Sellers arriving at the market.
- Mount Vernon8
Zip codes with a Mount Vernon address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Mount Vernon — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.