College Station, TX
Landlord insurance in College Station, Texas
Local rental data and insurance guidance for College Station property owners. A quote is not a binder.
With an estimated 128,023 residents, College Station has around 29,846 renter households, about 65% of occupied housing. Statewide, Texas sits at 37%, so College Station's rental share is above the state figure.
College Station at a glance for landlords
| Measure | College Station | Texas |
|---|---|---|
| Renter-occupied homes | 65% (29,846) | 37% |
| Median owner-occupied home value | $346,700 | $283,800 |
| Median gross rent | $1,194/mo | $1,403/mo |
| Median year structure built | 1999 | 1992 |
| Homes in 2–4 unit buildings | 18% | 5% |
| Single-family homes (detached or attached) | 50% | 67% |
Data: Census ACS 5-year estimates for 2020–2024 via Census Reporter, and Census Vintage 2024 population estimates.
What home values in College Station mean for your dwelling limit
Homes in College Station carry a median value near $346,700 according to the Census, compared with $283,800 statewide. Because land is never rebuilt, many owners find their rebuild estimate differs from that figure in either direction.
If your rental is insured somewhere around College Station's median, the closest NAIC benchmark is the $325,000–$349,999 band, where the 2023 Texas dwelling-fire average was $1,960. The all-amounts state figure was $1,226.
How much rent to protect in College Station
Median gross rent in College Station is about $1,194 a month. A year of lost rent at that level is roughly $14,328 per unit, a useful yardstick when you choose fair rental value coverage.
How old College Station's housing is, and why it matters
College Station's median home dates to about 1999. Systems are often on their first or second replacement, so roof age and water heater age carry a lot of weight in pricing.
Types of rental property in College Station
Small multi-family buildings are a real part of College Station's housing at roughly 18% of units. If you own a duplex, triplex, or fourplex here, read our guide to 2–4 unit buildings.
College Station next to other Texas rental cities
In Houston, 58% of occupied homes are rented and the median value is $277,800. San Antonio has a renter share of 48% with homes valued around $235,700 at the median. Dallas has a renter share of 58% with homes valued around $320,700 at the median. College Station places 1 of 30 profiled Texas cities by share of rented homes. Roughly 31% of homes in College Station are in buildings of five or more units, the point where most owners move to commercial apartment policies.
Natural hazards College Station landlords plan for
Texas landlords generally plan around winter freeze events that burst pipes, flash and coastal flooding, which needs separate flood coverage, and hail, especially across North and Central Texas. Those exposures apply in College Station as much as anywhere in the state, so confirm deductibles and exclusions before you bind.
Hazard themes reflect FEMA’s National Risk Index and NOAA’s Storm Events Database; check the index for your specific county.
Requesting coverage for a College Station rental
- Prior carrier, expiration date, and five-year loss history
- Lender name for the mortgagee clause
- Desired liability limit and loss-of-rents amount
- The College Station address and how many units it has
- When the building went up and when the roof was last replaced
- Occupancy: long-term lease, month-to-month, short-term, or vacant
- Electrical, plumbing, and heating update years
Request a College Station landlord quote
Questions from College Station rental owners
What share of College Station homes are rentals?
About 65% of occupied homes in College Station, roughly 29,846 households, are renter-occupied according to the 2020–2024 American Community Survey.
Is landlord insurance required in College Station?
Texas law does not require landlord insurance, but lenders usually require property coverage, and many leases, HOAs, and property managers require liability coverage.
How much does landlord insurance cost in College Station?
It depends on the building, coverage, and deductible. For background, the NAIC reported a 2023 Texas dwelling-fire average of $1,226; see our Texas page for the full table.
More landlord pages near College Station
Landlord insurance in Texas · Cost by state
Last updated October 15, 2026. Sources and method: how we research.