Tyler, Texas.
Typical home $249,480 (-0.2% in a year), asking rent $1,259 (+1.8%). Tyler, TX metro.
to buy the typical home at today's mortgage rate — +$693 (+112%) since Jan 2020.
- 1 year
- Down $549 -0%
- $250,029$249,480 since Sep 2025
- 5 years
- Up $45,389 +22%
- $204,091$249,480 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.
- Tyler$1,309
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 17 years.
Typical home values in Tyler, TX fell 0.2% over the past year — slower than the nation's +1.2%.
Asking rents in Tyler, TX rose 1.8% over the past year — slower than the nation's +2.7%.
Owning the typical home in Tyler runs $559/mo more than renting one. The gap peaked at $705 in Oct 2023.
That is $1,819 a month against $1,259 rent: a $1,309 mortgage payment, plus $242 property tax and $267 insurance & upkeep.
Owning vs renting — Tyler
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$1,819
- Renting$1,259
- Mortgage only$1,309
Property tax · $242/mo 1.16% of value a year — the ACS 2020-2024 median bill over the median home value for Smith County, TX
Insurance & upkeep · $267/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 Tyler, Smith County, Texas
Tyler is a city of 105,995 people in Smith County. Half its households earn more than $67,486 a year and half less, against $74,192 across Smith County; 12% of its people live below the poverty line. 55% of its homes are lived in by their owners and 45% are rented. Unemployment in Tyler was 4.2% in August 2026, and Smith County had 1.7% 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. Tyler is a city and the largest in Smith County, with residents who skew younger than in many American towns. Incomes run below the county's, and homes are lived in by their owners only slightly more often than not, so renting is common alongside owning. Winters are mild and brief, with January the coldest month, and summers are hot, peaking in August, with a fair amount of rain through the year.
Work. Many residents work in schools, hospitals and social care, followed by shops, professional and business services, and restaurants, hotels and entertainment. Among the largest workplaces in Tyler are Christus Mother Frances Hosp-tyler, The University of Texas at Tyler and Tyler ISD. The typical commute is fairly short, and the number of jobs across Smith County has edged up in the past year.
Things to do. In or beside town, the Rose Garden Center is a botanical garden, and Liberty Hall is a theatre. A short drive away, Caldwell Zoo is a good outing for a family afternoon. For time on the water, Lake Palestine is a reservoir a longer drive away.
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- 38,505households
- 31%of adults have a degree
- 12%below the poverty line
- 20 mintypical commute
- 8%work from home
What residents work in
Employed residents by industry, from the Census survey. Smith County had 115,454 jobs in 2025, 1.7% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 58° and lows near 38°; warmest in August, with highs near 94° and lows near 73°. About 48 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Tyler weather station, under a mile away (NOAA).
Largest workplaces in Tyler
- Christus Mother Frances Hosp-tylerGeneral hospital3,619FTE
- The University of Texas at TylerUniversity or college3,038
- Tyler ISDSchool district2,656FTE
- Trane Technologies2,470
- UT Health East Texas TylerGeneral hospital1,907FTE
- Choice Health at HomeHome health care agencies1,500
- TechServ Consulting and TrainingEngineering consulting services976
- Tyler Junior CollegeUniversity or college974
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 104 workplaces with 20 or more staff, 24,771 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), colleges from IPEDS (NCES, 2023–24) and school districts 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
- LightningRelatively high
- Heat wavesrelatively high in parts of TylerRelatively moderate
- Cold wavesrelatively high in parts of TylerRelatively moderate
- Ice stormsRelatively moderate
- Strong windRelatively moderate
- Winter weatherRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Tyler’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 Smith County and the Tyler, TX metro.
Tyler home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Tyler$249,480
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Tyler listings, and the typical home goes pending in 42 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.
- Tyler27.48%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Tyler42
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Tyler872
New listings per month
Sellers arriving at the market.
- Tyler173
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Tyler$294,559
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Tyler97.00%
Zip codes with a Tyler address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Tyler — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Tyler
| 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 |
|---|---|---|---|---|
| 75703 | Tyler | 46,039 | $1,203 | $353,096 |
| 75701 | Tyler | 36,344 | $1,292 | $222,986 |
| 75702 | Tyler | 27,927 | $1,359 | $130,971 |
| 75707 | Tyler | 17,532 | $1,848 | $308,217 |
| 75708 | Tyler | 9,732 | — | $181,631 |
| 75706 | Tyler | 9,560 | $1,562 | $250,412 |
| 75704 | Tyler | 8,913 | $1,384 | $249,107 |
| 75709 | Tyler | 6,015 | $1,675 | $281,670 |
| 75705 | Tyler | 1,704 | — | $208,811 |