Point, Texas.
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to buy the typical home at today's mortgage rate — +$751 (+93%) since Jan 2020.
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.
- Texas$1,556
- United States$1,922
Living in Point, Rains County, Texas
Point is a city of 745 people in Rains County. Half its households earn more than $68,508 a year and half less, against $65,413 across Rains County; 19% of its people live below the poverty line. Unemployment in Rains County was 4.9% in August 2026, and the county had 3.4% fewer jobs in 2025 than the year before. The most people in Rains County 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 It can be wrong or out of date.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. Point is a very small city in Rains County, in the east Texas countryside. Household incomes here run a little above the county's, though a noticeable share of residents live below the poverty line, and few adults hold a four-year degree. Winters are mild and short, with January the coldest month and highs still above freezing, while summers are long and hot, with August the warmest. Rain and melted snow fall steadily across the year.
Work. Residents work mostly in schools, hospitals and social care, with manufacturing, professional and business services, and shops also employing many. Across Rains County, the largest workplaces are Rains ISD, Brookshire's and Carolina Carports. The county has lost some jobs over the past year, and unemployment there is a little higher than it was a year earlier. A typical commute is a moderate one, neither especially short nor long.
Things to do. The Sabine River, Lake Tawakoni and Lake Tawakoni State Park are all a short drive away, offering river and reservoir shoreline and protected parkland. A longer drive brings you to the Audie Murphy American Cotton Museum, for those who like local history.
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- 11%of adults have a degree
- 19%below the poverty line
- 23 mintypical commute
What people in Rains County work in
Employed residents by industry, from the Census survey. Rains County had 2,259 jobs in 2025, 3.4% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 55° and lows near 34°; warmest in August, with highs near 94° and lows near 72°. About 44 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Lake Tawakoni weather station, 6 miles away (NOAA).
Largest workplaces in Rains County
- Rains ISDSchool district306FTE
- Brookshire'sSupermarkets and other grocery retailers97
- Carolina Carports Inc-texas DIVBuilding materials supply dealers30
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 2 workplaces with 20 or more staff, 127 people in all across the county; Point has none of its own. 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
- Ice stormsVery high
- TornadoesVery high
- Strong windRelatively high
- LightningRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Point’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 Rains County.
Point home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Sellers are cutting prices on about 1 in 2 Point listings — the market is roughly in balance.
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.
- Point40.89%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Point21
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Point address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Point — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.