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Featured local agent — Sterling City, TX
Sarah Mitchell
Compass Real Estate · Sterling City, TX
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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Sterling City, TX Housing Market
The typical home in Sterling City, TX is worth $182,513, fell 11.7% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published was $279,000, -58.4% year over year (through May 2026). With 2.0 months of supply and homes going under contract in about 104 days, Sterling City is a balanced market. At today's 7.03% 30-year fixed rate, 20% down on a $182,513 home is about $974/mo in principal and interest.
Key numbers for Sterling City, TX
Typical home value
$182,513
-11.7% in 12 months
Zillow, August 2026
Median sale price
$279,000
-58.4% year over year
Redfin, through December 2024
Days on market
104
Slow-moving
Redfin, through December 2024
Active listings
2
2.0 months of supply
Redfin, through December 2024
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$120,208
Home costs 1.5x income
U.S. Census ACS, 2023
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current. Mortgage rates come from Freddie Mac via FRED and update weekly.
Is Sterling City a buyer's or seller's market?
Sterling City, TX is a balanced market, based on 2.0 months of supply and homes selling in about 104 days. Under 4 months of supply tilts the market toward sellers: homes clear faster than they are replaced, so concessions are scarce.
Inputs are Redfin's final published period (May 2026). How we classify markets · Where the data comes from
What does the Sterling City housing market data show?
Every row below is Redfin's final published month for Sterling City, TX. Redfin, through December 2024
| Metric | Value |
|---|---|
| Median sale price | $279,000 |
| Year-over-year price change | -58.4% |
| Median price per sq ft | $166/sq ft |
| Median days on market | 104 days |
| Active inventory | 2 listings |
| Months of supply | 2.0 months |
| Homes sold (that month) | 1 |
| Market condition | Balanced market |
How to read these numbers
- Median sale price
- Half the homes that closed sold for more than this, half for less. It moves with what kind of home sold that month, so a quiet month with two big sales can swing it. Redfin's figure for Sterling City is frozen at May 2026.
- Typical home value (ZHVI)
- Zillow's estimate of what a mid-market home in Sterling City is worth right now, whether or not it sold. It is smoother than the median sale price and it still refreshes monthly, which is why this page leads with it.
- Months of supply
- How long it would take to sell every active listing at the current pace. Under 3 favors sellers, over 6 favors buyers, and 3 to 6 is the balanced band.
- Days on market
- Median time from listing to accepted offer. Short means you should have financing ready before you tour; long means there is room to negotiate on price and repairs.
- Sale-to-list ratio
- Sale price divided by the last asking price. Above 100% means bidding above asking is normal here; below 100% means the typical buyer got a discount.
- Price per square foot
- The size-adjusted price. Use it to compare a 1,400 sq ft house to a 2,600 sq ft house, not to value your own home — lot, condition and age move it a lot.
- Listings with a price cut
- Share of active listings that dropped their asking price in the month. A high share is the earliest visible sign that sellers are ahead of what buyers will pay.
- Typical asking rent (ZORI)
- Zillow's repeat-rent index for asking rents on new leases. Paired with the home value it gives the price-to-rent ratio in the rent-vs-buy section below.
How have Sterling City home prices moved?
Across the 14 months we hold for Sterling City, TX, the median sale price rose 86.6%, from $149,500 in May 2021 to $279,000. The live Zillow value series has fell 11.7% in the last 12 months, which is the more current read now that Redfin's series has stopped.
Redfin, through December 2024 — the chart ends at Redfin's final published month.
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What does it cost to buy a home in Sterling City?
Priced off the typical home value of $182,513 at the current 7.03% 30-year fixed rate. These are principal and interest only — property taxes, homeowner's insurance, HOA dues and mortgage insurance are on top, and they vary enough by property that we will not guess them for you.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $36,503 | $146,010 | $974/mo |
| 5% | $9,126 | $173,387 | $1,157/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
What income do you need?
Lenders generally want housing costs under 28% of gross income. On the 20%-down payment of $974, that implies roughly $41,758 a year before you add taxes and insurance. The median household in Sterling City earns $120,208, about $78,450 more than that threshold — the typical local household clears the payment on a typical local home with 20% down. That puts the price-to-income ratio at 1.5x — close to the historical 3x norm, which is unusual in 2026.
Run it with your own numbers: affordability calculator · mortgage calculator
Buying in Sterling City in the next 12 months?
Tell us your timeline. We send the Sterling City market brief: the price ranges that actually clear, how long homes sit, and what to fix on your credit before you apply.
Is it cheaper to rent or buy in Sterling City?
Zillow does not publish a rent index (ZORI) for Sterling City, TX, so we cannot compute a price-to-rent ratio here without borrowing a nearby market's rents and calling them local — which we will not do. The rent vs. buy calculator works with a rent figure you supply.
Is inventory rising or falling in Sterling City?
Active listings in Sterling City, TX went from 3 in May 2021 to 2 in December 2024, a -33.3% change. Falling inventory tightens competition. When supply drops while demand holds, sale-to-list ratios rise before the median sale price does.
| Month | Active listings | New listings |
|---|---|---|
| July 2021 | 3 | not published |
| September 2021 | 2 | not published |
| December 2021 | 1 | not published |
| June 2022 | 1 | not published |
| September 2022 | 3 | not published |
| December 2022 | 3 | not published |
| April 2023 | 1 | not published |
| May 2023 | 2 | 1 |
| July 2023 | 4 | 1 |
| September 2023 | 4 | 1 |
| December 2023 | 3 | not published |
| December 2024 | 2 | not published |
Redfin, through December 2024
How does Sterling City compare to Texas and the U.S.?
Sterling City homes sell for $279,000 — 22% below the Texas median of $356,100. Against the national median of $410,700, Sterling City runs 32% lower. Year-over-year, Sterling City moved -58.4% against Texas's +2.1% — a bigger swing than the state as a whole.
| Market | Median sale price | YoY | Days on market |
|---|---|---|---|
| Sterling City, TX | $279,000 | -58.4% | 104 days |
| Texas statewide | $356,100 | +2.1% | 56 days |
| United States | $410,700 | not published | not published |
City and state rows: Redfin, through December 2024 · U.S. row: Freddie Mac via FRED, April 2026 (MSPUS, quarterly)
What to do next in Sterling City
What buyers should watch
- Months of supply, currently 2.0. It turns before price does — when it climbs past 6, sellers start taking offers they would have rejected a quarter earlier.
- The gap between 5% and 20% down here is $183 a month in principal and interest alone, before mortgage insurance. That gap, not the price, is usually what decides your timeline.
- Rate moves. At 7.03%, every full point of rate change moves the payment on a $182,513 home more than a 5% price change does.
- Your credit tier before you shop, not after — it sets the rate you are quoted. Run your numbers first.
What sellers should know
- The median Sterling City listing goes under contract in 104 days. If yours passes that mark, the market is telling you the price is wrong — not that you need more showings.
- Your equity moved -11.7% in the last 12 months on the Zillow value series. That, not the price you paid, is what sets your net proceeds.
- Comparable ZIP-level pricing inside Sterling City varies more than the citywide median suggests — check the ZIP pages below before you set a number.
Homes for sale in Sterling City
There are currently 2 homes listed for sale in Sterling City, Texas.
Active listings
2
Homes on market
Avg. days on market
104
Days until sale
How much do homes cost in Sterling City by property type?
How the Sterling City, TX market breaks down across single-family homes, condos and townhouses. Redfin, through December 2024
| Property type | Median price | Price / sq ft | Homes sold | Days on market |
|---|---|---|---|---|
| Single-family | $279,000 | $166/sq ft | 1 | 104 days |
Who lives in Sterling City?
American Community Survey estimates for Sterling City. U.S. Census ACS, 2023
Population
1,173
Households
327
Median income
$120,208/yr
Median age
30.2 years
Owner-occupied
84.7%
Median home value
$127,600
Median gross rent
$968/mo
Mean commute
27.8 min
84.7% of occupied homes in Sterling City are owner-occupied, and the rest are rented — which is the share that decides how much of the local housing stock ever reaches the for-sale market. The Census self-reported median home value is $127,600 against Zillow's $182,513 typical value; the gap is normal — ACS asks owners what they think their home is worth, Zillow models transactions.
Which public schools serve Sterling City?
2 schools tracked · 348 students
The largest public schools serving Sterling City, TX by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
STERLING CITY SCHOOL
Grades PK-12 · 347 students
STERLING CITY/VERIBEST SPECIAL PROGRAMS
Grades PK · 1 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Which cities are near Sterling City, TX?
Ordered by distance from Sterling City, not by size. Compare Sterling City side by side with any of them.
Sterling City housing market FAQ
Is Sterling City a buyer's or seller's market?
Sterling City, TX is currently a balanced market. That read comes from 2.0 months of supply, homes going under contract in about 104 days in the last month Redfin published (May 2026).
How much do homes cost in Sterling City?
The typical home in Sterling City, TX is worth $182,513 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published was $279,000, about $166 per square foot.
Is Sterling City cheaper than the rest of Texas?
Sterling City's median sale price of $279,000 is 22% lower than the Texas statewide median of $356,100, and 32% below the U.S. median of $410,700. Both figures are for the same period.
How long do homes take to sell in Sterling City?
Homes in Sterling City, TX spent a median of 104 days on market before going under contract, versus 56 days statewide. Over two months means buyers have time to inspect, compare and negotiate. (Redfin, through May 2026.)
What income do you need to buy a home in Sterling City?
At the current 30-year fixed rate of 7.03%, 20% down on a $182,513 home is about $974 a month in principal and interest. Lenders typically want that under 28% of gross income, which works out to roughly $41,758 a year before taxes, insurance, HOA dues or mortgage insurance. The local median household income is $120,208.
Are home prices rising in Sterling City?
The typical home value in Sterling City, TX fell 11.7% over the last 12 months, from $206,662 to $182,513 (Zillow, August 2026). This is the live series — it refreshes monthly.
What are the cheapest ZIP codes in Sterling City?
Sterling City ZIP-level sale prices are not all published for the same period, so ranking them would compare different months. The ZIP pages listed on this page show what we hold for each one individually.
Is now a good time to buy in Sterling City?
That depends on your timeline, not on a headline. What the data says today: Sterling City, TX is a balanced market with 2.0 months of supply, the 30-year fixed rate is 7.03%. Properties Incorporated publishes the data; it does not give financial advice.
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