Zephyr, Texas.
Typical home $400,123 (+7.7% in a year). Brownwood, TX metro.
to buy the typical home at today's mortgage rate — +$1,232 (+142%) since Jan 2020.
- 1 year
- Up $28,443 +8%
- $371,680$400,123 since Sep 2025
- 5 years
- Up $72,446 +22%
- $327,677$400,123 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.
- Zephyr$2,100
- 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 Zephyr, TX rose 7.7% over the past year — faster than the nation's +1.2%.
Living in Zephyr, Brown County, Texas
Zephyr, in Brown County, had 179 people in the 2020 census. Unemployment in Brown County was 4.2% in August 2026, and the county had 1.7% fewer jobs in 2025 than the year before. The most people in Brown 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 It can be wrong or out of date.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. Zephyr is a very small community in Brown County, Texas, with far fewer residents than most towns. Homes here are valued well above what the county's incomes might suggest, and relatively few people live below the poverty line. Winters are mild, with January highs around the point where a jacket is enough and lows that just touch freezing, while summers turn hot, with August the warmest month. Snow is rare and amounts to very little, and the year brings a moderate amount of rain.
Work. Residents work mostly in schools, hospitals and social care, with others in manufacturing, shops and the building trades. Across Brown County, some of the largest workplaces are Brownwood ISD, Hendrick Medical Center Brownwood and Kohler. The county has lost a small share of its jobs over the past year, and unemployment there is close to where it stood a year earlier.
Things to do. Water is the main draw nearby. Lake Brownwood is a reservoir, and Lake Brownwood State Park, a protected area on its shores, is a longer drive away. Blanket Creek is a river, also a longer drive away, and anyone who likes a quieter stretch of water could try it. Each of these takes a longer drive from town.
Report a mistake
- 4%below the poverty line
What people in Brown County work in
Employed residents by industry, from the Census survey. Brown County had 15,574 jobs in 2025, 1.7% fewer than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 60° and lows near 32°; warmest in August, with highs near 97° and lows near 72°. About 1 inches of snow and 31 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Brownwood 2ENE weather station, 10 miles away (NOAA).
Largest workplaces in Brown County
- 3M Company540
- Brownwood ISDSchool district517FTE
- KohlerBathtubs, plastics, manufacturing506
- Superior EssexStrip, copper and copper alloy, made from purchased copper or in integrated secondary smelting and rolling, drawing or extruding plants422
- WalmartWarehouse clubs and supercenters374
- Hendrick Medical Center BrownwoodGeneral hospital333FTE
- Howard Payne UniversityUniversity or college264
- United SupermarketsSupermarket183
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 38 workplaces with 20 or more staff, 4,101 people in all across the county; Zephyr has one of its own. School districts come from the Common Core of Data (NCES, 2023–24), hospitals from their Medicare cost reports (CMS, 2023) 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
- Winter weatherRelatively high
- Strong windRelatively high
- DroughtRelatively moderate
- WildfireRelatively moderate
- HailRelatively moderate
- Cold wavesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Zephyr’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 Brown County and the Brownwood, TX metro.
Zephyr home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Zephyr$400,123
- Texas$296,424
- United States$366,157
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
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Zephyr5
Zip codes with a Zephyr address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Zephyr — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.