Local
Learn about the people, housing, costs and businesses in El Chaparral, Texas
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in El Chaparral.
True all-in cost — P&I, taxes, insurance & utilities for homes in El Chaparral.
Find and compare lenders active near El Chaparral.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for El Chaparral.
Seismic risk and earthquake insurance estimates for El Chaparral.
Wildfire exposure and insurance estimates for El Chaparral.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for El Chaparral is approximately 6.979% (7.021% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for El ChaparralThe median home value in El Chaparral is $78k. The median monthly rent is $719. Annual property taxes average $814. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in El Chaparral have increased 13.7% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $443/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $19k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in El Chaparral is $40k/year.
Calculate your buying powerThe largest employment sectors in El Chaparral are public administration (25%) and retail (9%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.