Total monthly cost of ownership
Cost to Own a Home in Archer City, Texas
A $126,000 home here costs
$1,233per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $648. The real number is $585 higher every month — 90% 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.
Archer City against Archer County and Texas
| Measure | Archer City | Archer County |
|---|---|---|
| Median home value | $125,600 | $175,300 |
| Median property tax | $2,167 | $2,317 |
| Effective tax rate | 1.725% | 1.322% |
| Median gross rent | $496 | $766 |
| Population | 1,453 | 8,734 |
The weather behind that power bill
Archer City sits in Archer County, which averages a high of 97.0°F in its hottest month and a low of 30.5°F in its coldest, with 32.46" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,570 cooling and 2,726 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Archer County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Archer County
Common questions
How much does it cost to own a home in Archer City?
A $126,000 home in Archer City, Texas costs approximately $1,233 per month with 20% down at 6.66%. That is $648 principal and interest, $181 property tax, $83 homeowners insurance, $216 utilities and $105 set aside for maintenance.
What is the property tax rate in Archer City?
Archer City has an effective property tax rate of 1.725%, based on a median home value of $125,600 and median real estate taxes of $2,167. That is higher than the Archer County average of 1.322%.
What is the average home price in Archer City?
The median owner-occupied home value in Archer City, Texas is $125,600, against $175,300 across Archer County.
Is it cheaper to rent or buy in Archer City?
Median gross rent in Archer City is $496 a month, against $1,233 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 Archer City — 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.