Total monthly cost of ownership
Cost to Own a Home in Andrews, Texas
A $187,000 home here costs
$1,673per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $961. The real number is $712 higher every month — 74% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Andrews against Andrews County and Texas
| Measure | Andrews | Andrews County |
|---|---|---|
| Median home value | $186,700 | $188,200 |
| Median property tax | $2,593 | $2,500 |
| Effective tax rate | 1.389% | 1.328% |
| Median gross rent | $1,371 | $1,364 |
| Population | 13,416 | 18,518 |
The weather behind that power bill
Andrews sits in Andrews County, which averages a high of 95.6°F in its hottest month and a low of 31.3°F in its coldest, with 13.97" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 2,396 cooling and 2,407 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Andrews County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Andrews County
No other places of this size are published in Andrews County.
Common questions
How much does it cost to own a home in Andrews?
A $187,000 home in Andrews, Texas costs approximately $1,673 per month with 20% down at 6.66%. That is $961 principal and interest, $216 property tax, $124 homeowners insurance, $216 utilities and $156 set aside for maintenance.
What is the property tax rate in Andrews?
Andrews has an effective property tax rate of 1.389%, based on a median home value of $186,700 and median real estate taxes of $2,593. That is higher than the Andrews County average of 1.328%.
What is the average home price in Andrews?
The median owner-occupied home value in Andrews, Texas is $186,700, against $188,200 across Andrews County.
Is it cheaper to rent or buy in Andrews?
Median gross rent in Andrews is $1,371 a month, against $1,673 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Andrews — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Texas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.