--- title: Life Insurance in Houston, TX: Free Quotes and Local Facts url: https://coverfolk.com/states/texas/houston updated: 2026-10-08 --- # Life insurance in Houston, TX Get a free price from a Texas agent, and see what families in Houston usually need. [Local facts](#local) Updated October 8, 2026[Fact checked](/editorial-standards) Houston2,387,910 people The short answer Families in Houston earn a median $64,361 a year, and the typical owned home is worth $301,200. A simple rule puts the need for a typical family here at about **$850,000**. Term life is usually the lowest cost way to get there. ## Houston by the numbers Median household income : $64,361Lower than the Texas median of $79,721 Typical home value : $301,200Close to the Texas median of $313,200 Homes owned : 41%52% of owned homes have a mortgage Households with kids : 29%943,336 households in all Age 65 and older : 12%Median age 34 Veterans : 59,5003.3% of adults ## Living in Houston Houston is the largest city in Texas, with 2,387,910 residents and a median age of 34. The median household here earns $64,361, below the US median of $81,604. The typical home costs about 4.7 times that income. Compared with nearby Pearland (16 miles away), homes in Houston are worth less ($301,200 vs $376,400), and fewer households have kids at home. The biggest hands on job group here is driving and moving goods, at 8.8% of workers. Drivers who switch carriers often lose their work coverage, so a policy they own matters. ## Who works in Houston The biggest groups of hands on and front line jobs here, as a share of all workers. Some of these jobs can change your price, and some companies treat them better than others. **Driving and moving goods**8.8%[Truck drivers](/jobs/truck-drivers)[Rideshare and delivery](/jobs/rideshare-drivers)[Warehouse workers](/jobs/warehouse-workers) **Health care**8.5%[Nurses](/jobs/nurses)[EMTs and paramedics](/jobs/emts-paramedics)[Doctors](/jobs/doctors) **Sales**8.2%[Real estate agents](/jobs/real-estate-agents)[Self employed](/jobs/self-employed) **Construction**7.9%[Construction](/jobs/construction-workers)[Roofers](/jobs/roofers)[Electricians](/jobs/electricians) ## What fits families in Houston **Mortgage protection** 52% of owned homes in Houston still have a mortgage. If your family would struggle to make that payment without you, size a policy to the loan. [More on mortgage protection](/coverage/mortgage-protection) **Term life for parents** 29% of households here have kids under 18. Term life covers the years they depend on you for the lowest price. [More on term life](/coverage/term-life) **Final expense** 12% of people in Houston are 65 or older, lower than the Texas rate. A small policy keeps funeral costs off the family. [More on final expense](/coverage/final-expense) **Spanish speaking agents** 38% of people here speak Spanish at home. Pick Español on our form and we will ask for an agent who speaks Spanish. [Spanish guide](/es) **Veterans** About 59,500 veterans live in Houston. VGLI is not your only choice. [More on veterans](/jobs/veterans) ## Final expense and burial insurance in Houston About 294,900 people in Houston are 65 or older. A small final expense policy, also called burial insurance, pays for the funeral so the family does not have to. | Age | Women, $10,000 | Men, $10,000 | | --- | --- | --- | | **60** | $33 | $43 | | **70** | $53 | $70 | | **80** | $98 | $134 | National sample rates, Choice Mutual, Rates valid as of March 9, 2026. Not a quote. [Funeral costs and help in Texas](/funeral-costs/texas) ## Texas rules that protect you * Free look: set by policy * Grace period: one month if you miss a payment * Guaranty protection: up to $300,000 in death benefits * Help line: Texas Department of Insurance, 800-252-3439 [All Texas rules](/states/texas) ## Common questions in Houston How much life insurance do I need in Houston? A quick rule of thumb: 10 years of income plus what you owe on your home. With Houston's median household income of $64,361 and a typical home value of $301,200, that lands near $850,000 for a typical family. Your number depends on your debts, kids and savings. Our calculator does the math. Can I get life insurance in Houston without a medical exam? Often, yes. Many companies approve healthy people with health questions and records instead of an exam. Older buyers can also look at simplified issue or guaranteed issue final expense plans. Do I need an agent licensed in Texas? Yes. An agent must hold a Texas license to sell you a policy. You can check a license with the Texas Department of Insurance at 800-252-3439. Source: [Texas Department of Insurance](https://www.tdi.texas.gov) What does a funeral cost near Houston? Local prices vary by funeral home. Nationally, the median funeral with viewing and burial was $8,300 in 2023, and $6,280 with cremation (NFDA). Under the FTC Funeral Rule, any funeral home in Houston must give you an itemized price list. Source: [FTC Funeral Rule](https://consumer.ftc.gov/articles/ftc-funeral-rule) · [NFDA price study](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral) What happens if my insurance company fails in Texas? The Texas Life & Health Insurance Guaranty Association protects Texas policyholders up to $300,000 in death benefits, per insured person. Source: [Texas Life & Health Insurance Guaranty Association](http://www.txlifega.org) · [NOLHGA: how you are protected](https://nolhga.com/policyholders/how-youre-protected/) ## Near Houston [Pearland](/states/texas/pearland) (16 mi), [Pasadena](/states/texas/pasadena) (17 mi), [Atascocita](/states/texas/atascocita) (18 mi), [Sugar Land](/states/texas/sugar-land) (20 mi), [League City](/states/texas/league-city) (26 mi), [The Woodlands](/states/texas/the-woodlands) (28 mi) ## Sources 1. [Census ACS 2024 1 year estimates, table based summary file](https://www2.census.gov/programs-surveys/acs/summary_file/2024/table-based-SF/) 2. [Census 2024 Gazetteer place file](https://www.census.gov/geographies/reference-files/time-series/geo/gazetteer-files.html) 3. [2023 NFDA General Price List Study Shows Inflation Increasing Faster than the Cost of a Funeral (NFDA)](https://content.nfda.org/news/media-center/nfda-news-releases/id/8134/2023-nfda-general-price-list-study-shows-inflation-increasing-faster-than-the-cost-of-a-funeral) 4. [Texas Department of Insurance](https://www.tdi.texas.gov) 5. [Texas Life & Health Insurance Guaranty Association](http://www.txlifega.org) Local numbers are Census American Community Survey 2024 one year estimates for Houston, TX. The coverage figure is a rule of thumb, not advice.