Local
Learn about the people, housing, costs and businesses in Hemphill, Texas
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Hemphill.
True all-in cost — P&I, taxes, insurance & utilities for homes in Hemphill.
Find and compare lenders active near Hemphill.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Hemphill.
Seismic risk and earthquake insurance estimates for Hemphill.
Wildfire exposure and insurance estimates for Hemphill.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Hemphill is approximately 6.950% (6.991% 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 HemphillThe median home value in Hemphill is $190k. The median monthly rent is $1,044. Annual property taxes average $2k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Hemphill have increased 2.8% over the past two years. The market has been relatively stable. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $677/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $29k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Hemphill is $68k/year.
Calculate your buying powerThe largest employment sectors in Hemphill are public administration (29%) and agriculture and mining (13%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.