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Housing in Encinal

A typical Encinal home is worth roughly $87,000

No new homes were permitted in 2025.

Typical home value
$87K
TX $299K
Estimate
2-bedroom rent
$1,060
a month, utilities in · HUD
Median tax bill
$1,521
TX $4,232

What kind of housing town is Encinal?

Read from the numbers below. The page puts what stands out first.

★ What stands out · Affordability

A typical home costs 1.7 years of income

Less than across Texas (3.8 years). Try your own numbers below.

You could afford about
$178,000
Typical Encinal home $87K

That covers a typical Encinal home, with $91K to spare.

The typical home, each month
$580
Loan $430Tax $130Insurance $30

A two-bedroom rents for about $1,060 a month here, $480 more than owning.

An estimate, not a loan offer: payments of up to 28% of income, a 30-year fixed loan, Encinal’s typical property tax (1.75% of value a year, from the Census) and insurance of about 0.35%. Mortgage insurance, HOA fees and other debts aren’t included.

Renting

A two-bedroom rents for about $1,060

Renters already here pay a median of $814, so moving in tends to cost more than staying put.

Fair Market Rent a month, utilities included

Studio$860
1 bedroom$870
2 bedrooms$1,060
3 bedrooms$1,350
4 bedrooms$1,510
18%
of households rent · TX 37%
74
renter households
73%
of renters spend 30%+ of income on rent · TX 52%
25%
of the median income, for a two-bedroom
$814
median rent paid today · Census

U.S. Department of Housing and Urban Development, Fair Market Rents by ZIP code (Laredo, TX MSA): the 40th-percentile rent plus utilities for a standard unit. Median rent and renters: U.S. Census Bureau, American Community Survey.

New construction

No new homes permitted in 2025

No permits for new homes were issued in Encinal in 2025. The last year with any was 2023 (6 new homes).

Single-family2+ homes per building
010203040 200320052010201520202025
0
new homes permitted in 2025
0
2026 so far (Jan–Aug)
7
homes in the past 10 years
Homes vs. people, 2010–2020
Residents−19
New homes+3

Between the 2010 and 2020 censuses, Encinal's population fell by 19 even though 3 new homes were permitted. Homes are holding fewer people: households are getting smaller, or more homes are used part of the year. Across Texas: 2.6 new residents per new home.

Every year as a table
YearNew homesSingle-family2+ per buildingValue
2026 (Jan–Aug)000—
2025000—
2024000—
2023606$691,000
2022000—
2021000—
2020000—
2019000—
2018000—
2017000—
2016110$100,000
2015110$100,000
2014110$100,000
2013000—
2012000—
2011000—
2010000—
2009000—
2008000—
2007000—
2006312110$2 million
2005000—
2004000—
2003000—

Homes authorized by building permits, counted in the year the permit was issued. U.S. Census Bureau, Building Permits Survey.

The homes

82% of Encinal households own their home

Half of Encinal’s homes were built before 1981.

Owners and renters
Own 82%Rent 18%

Texas: 63% own.

1981
typical home built · TX 1992
$1,521
median property tax bill · TX $4,232
1.75%
of a home’s value, a year in tax · TX 1.49%

U.S. Census Bureau, American Community Survey 2020-2024.

Neighbors talk housing

What Encinal buyers, sellers and renters are saying.

Town Square →
Weigh in
Is Encinal still affordable for young families?

Your answer becomes a post in Town Square.

Start the conversation

Home values: Zillow Home Value Index (ZHVI), Zillow Research. Sales, days on market and supply: Redfin Data Center. Income, ownership, taxes and rent: U.S. Census Bureau, American Community Survey. New homes: U.S. Census Bureau, Building Permits Survey. Fair Market Rents: U.S. Department of Housing and Urban Development. Listings link to their publishers. The calculator is an estimate, not a loan offer.

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