Local
Learn about the people, housing, costs and businesses in Tom Bean, Texas
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in Tom Bean.
True all-in cost — P&I, taxes, insurance & utilities for homes in Tom Bean.
Find and compare lenders active near Tom Bean.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for Tom Bean.
Seismic risk and earthquake insurance estimates for Tom Bean.
Wildfire exposure and insurance estimates for Tom Bean.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for Tom Bean is approximately 6.859% (6.894% 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 Tom BeanThe median home value in Tom Bean is $265k. The median monthly rent is $1,177. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in Tom Bean have increased 25.0% 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 $901/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $39k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in Tom Bean is $78k/year.
Calculate your buying powerThe largest employment sectors in Tom Bean are public administration (25%) and retail (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.