Tioga, Texas.
Typical home $374,199 (-4.2% in a year). Sherman-Denison, TX metro.
to buy the typical home at today's mortgage rate — +$1,049 (+115%) since Jan 2020.
- 1 year
- Down $16,373 -4%
- $390,572$374,199 since Sep 2025
- 5 years
- Up $46,891 +14%
- $327,308$374,199 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.
- Tioga$1,964
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 26 years.
Typical home values in Tioga, TX fell 4.2% over the past year — slower than the nation's +1.2%.
Living in Tioga, Grayson County, Texas
Tioga is a town of 1,142 people in Grayson County. Unemployment in Grayson County was 4.4% in August 2026, and the county had 1.9% more jobs in 2025 than the year before. The most people in Grayson County 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 It can be wrong or out of date.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. Tioga is a small town in Grayson County, Texas, with a population that is modest even by the standards of the county around it. Homes here are typically worth more than a visitor might expect for a town this size, and the share of residents living below the poverty line is low. Winters are mild and short, while summers run long and very hot, with August the warmest month.
Work. Residents most often work in schools, hospitals and social care, followed by shops, manufacturing and the building trades. Across Grayson County, some of the largest workplaces are Texoma Medical Center, Tyson Fresh Meats and Sherman ISD. The typical commute is a fairly long one, and few people work from home, so many residents travel to jobs outside town each day.
Things to do. Range Creek runs in or beside town, a small river that suits a quiet walk. A longer drive away are the Frank Buck Zoo and the Museum of the American Railroad, both good for a day out. Hagerman National Wildlife Refuge, also a longer drive, is a protected area for anyone who enjoys open country and wildlife.
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- 565households
- 24%of adults have a degree
- 7%below the poverty line
- 30 mintypical commute
- 9%work from home
What people in Grayson County work in
Employed residents by industry, from the Census survey. Grayson County had 52,998 jobs in 2025, 1.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 55° and lows near 33°; warmest in August, with highs near 96° and lows near 74°.
Average daily high and low, 1991–2020, at the Pilot Point Isl Du Boi weather station, 9 miles away (NOAA).
Largest workplaces in Grayson County
- Texoma Medical CenterGeneral hospital1,899FTE
- Tyson Fresh MeatsMeat processed from carcasses1,845
- Sherman ISDSchool district1,199FTE
- Ruiz Foods ProductMexican foods, frozen, manufacturing980
- Denison ISDSchool district631FTE
- Texas InstrumentsSemiconductor devices manufacturing608
- Grayson CollegeUniversity or college607
- WalmartRefrigerated warehousing and storage442
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 113 workplaces with 20 or more staff, 15,802 people in all across the county; Tioga has one of its own. Hospitals come from their Medicare cost reports (CMS, 2023), school districts 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
- Ice stormsRelatively high
- HailRelatively high
- TornadoesRelatively high
- Heat wavesRelatively high
- Cold wavesRelatively high
- WildfireRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Tioga’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 Grayson County and the Sherman-Denison, TX metro.
Tioga home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Tioga$374,199
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 5 Tioga listings — the market is heating up.
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.
- Tioga20.56%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Tioga29
New listings per month
Sellers arriving at the market.
Not enough data to draw this yet.
Zip codes with a Tioga address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Tioga — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.