Home Insurance Estimator for Beaumont, TX
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within Texas, driven by weather risks, construction costs, and local claims history. The median home value in Beaumont is $195,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Beaumont local data
How Beaumont Compares to the National Average
Understanding how Beaumont stacks up helps you calibrate your financial planning.
| Metric | Beaumont, TX | US Average | Difference |
|---|---|---|---|
| Median Home Price | $195,000 | $420,800 | -53.7% |
| Median Monthly Rent | $925 | $1,713 | -46.0% |
| Median Household Income | $57,200 | $74,580 | -23.3% |
| Property Tax Rate | 1.80% | 1.10% | +63.6% |
| Cost of Living Index | 88 | 100 | -12.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Beaumont Financial Snapshot
- Population (Metro)
- 395,000
- Unemployment
- 5.2%
- Avg Commute
- 22 min
- Median Age
- 36.2
- Price-to-Rent Ratio
- 17.6x
- Annual Property Tax
- $3,510
Home Insurance Estimator in Other Texas Cities
Frequently Asked Questions — Beaumont
What is the median home price in Beaumont, TX?
The median home price in Beaumont is $195,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Beaumont?
Median monthly rent in Beaumont is $925. That works out to $11,100/year, or 19% of the median household income — within the commonly recommended 30% of income guideline.
Is Beaumont affordable?
Beaumont's cost of living index is 88 vs. the national average of 100. With a median household income of $57,200/year and a median home price of $195,000, the price-to-income ratio is 3.4x. Beaumont remains relatively affordable compared to many US metros.
What is the property tax rate in Beaumont?
The effective property tax rate in Beaumont is 1.80% of assessed value. On the median home of $195,000, that's roughly $3,510/year ($292/month).