Nacogdoches, Texas.
Typical home $223,274 (+5.2% in a year), asking rent $1,075 (+4.8%). Nacogdoches, TX metro.
to buy the typical home at today's mortgage rate — +$584 (+99%) since Jan 2020.
- 1 year
- Up $11,019 +5%
- $212,255$223,274 since Sep 2025
- 5 years
- Up $37,206 +20%
- $186,068$223,274 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.
- Nacogdoches$1,172
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 19 years.
Typical home values in Nacogdoches, TX rose 5.2% over the past year — faster than the nation's +1.2%.
Asking rents in Nacogdoches, TX rose 4.8% over the past year — faster than the nation's +2.7%.
Owning the typical home in Nacogdoches runs $463/mo more than renting one. The gap peaked at $551 in Jan 2025.
That is $1,537 a month against $1,075 rent: a $1,145 mortgage payment, plus $153 property tax and $239 insurance & upkeep.
Owning vs renting — Nacogdoches
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$1,537
- Renting$1,075
- Mortgage only$1,145
Property tax · $153/mo 0.83% of value a year — the ACS 2020-2024 median bill over the median home value for Nacogdoches County, TX
Insurance & upkeep · $239/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 Nacogdoches, Nacogdoches County, Texas
Nacogdoches is a city of 32,147 people in Nacogdoches County. Half its households earn more than $39,281 a year and half less, against $53,555 across Nacogdoches County; 32% of its people live below the poverty line. 38% of its homes are lived in by their owners and 62% are rented. Unemployment in Nacogdoches was 5.6% in August 2026, and Nacogdoches County had 0.2% fewer jobs in 2025 than the year before. The most residents work in schools and health care, then restaurants and hotels.
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. Nacogdoches is a city with a young population, with a median age well below what is typical for most of the country, and a good many students among its residents. Most homes are rented rather than lived in by their owners, and household incomes run below the county's, with more people living below the poverty line than is usual. Winters are mild and summers are hot, with little or no snow and a fair amount of rain through the year.
Work. Many residents work in schools, hospitals and social care, in restaurants, hotels and entertainment, in shops, or in manufacturing. Among the largest workplaces in Nacogdoches are the Pilgrims Nacogdoches Complex, Nacogdoches ISD and Walmart. The typical commute is short, and few people work from home.
Things to do. In or beside town, the Old Stone Fort Museum is a history museum and the Mast Arboretum is a botanical garden. A short drive away, Millard's Crossing Historic Village is a museum village. For a longer outing, Angelina National Forest is a protected area of woodland, a longer drive away.
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- 12,576households
- 31%of adults have a degree
- 32%below the poverty line
- 16 mintypical commute
- 6%work from home
What residents work in
Employed residents by industry, from the Census survey. Nacogdoches County had 22,515 jobs in 2025, 0.2% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 58° and lows near 36°; warmest in August, with highs near 93° and lows near 73°. About 50 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Nacogdoches weather station, under a mile away (NOAA).
Largest workplaces in Nacogdoches
- Pilgrims Nacogdoches ComplexChickens, processing, fresh, frozen, canned, or cooked1,561
- Nacogdoches ISDSchool district1,043FTE
- WalmartWarehouse clubs and supercenters374
- Nacogdoches Medical CenterGeneral hospital341FTE
- Nacogdoches Memorial HospGeneral hospital331FTE
- TFP NutritionComplete feed, livestock, manufacturing241
- Bright CoopCages made from purchased wire172
- Engineered Materials NacogdochesExtruded, molded or lathe-cut rubber goods manufacturing167
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 34 workplaces with 20 or more staff, 5,235 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- Strong windRelatively high
- LightningRelatively high
- Heat wavesRelatively high
- Ice stormsRelatively moderate
- Winter weatherrelatively high in parts of NacogdochesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Nacogdoches’ 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 Nacogdoches County and the Nacogdoches, TX metro.
Nacogdoches home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Nacogdoches$223,274
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 6 Nacogdoches listings, and the typical home goes pending in 31 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.
- Nacogdoches16.86%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Nacogdoches31
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Nacogdoches154
New listings per month
Sellers arriving at the market.
- Nacogdoches42
Zip codes with a Nacogdoches address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Nacogdoches — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Nacogdoches
| 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 |
|---|---|---|---|---|
| 75964 | Nacogdoches | 20,470 | $1,200 | $192,407 |
| 75965 | Nacogdoches | 18,243 | $1,117 | $284,105 |
| 75961 | Nacogdoches | 15,183 | $1,060 | $198,769 |