ZIP Code 38541

In ZIP code 38541, near Celina, homes carry a median value of $220,900 while the county's effective property tax rate sits at 0.39% — an annual bill of roughly $861. Against median household income of $41,151, that equals about 2.1% of earnings, a share that leaves breathing room for other costs. Per-capita income reaches $32,157. Buyers should also account for the 9.50% combined sales tax, which shapes day-to-day spending. The gap between home prices and area earnings means purchasers here often need either equity from a prior sale or a larger down payment to keep monthly housing costs aligned with local wages.