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Learn about the people, housing, costs and businesses in Ricardo, Texas
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Ricardo.
True all-in cost — P&I, taxes, insurance & utilities for homes in Ricardo.
Find and compare lenders active near Ricardo.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Ricardo.
Seismic risk and earthquake insurance estimates for Ricardo.
Wildfire exposure and insurance estimates for Ricardo.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Ricardo is approximately 6.962% (7.000% 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 RicardoThe median home value in Ricardo is $234k. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Ricardo have increased 1.3% 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 $851/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $36k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Ricardo is $77k/year.
Calculate your buying powerThe largest employment sectors in Ricardo are public administration (25%) and agriculture and mining (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.