Total monthly cost of ownership
Cost to Own a Home in Arcola, Texas
A $183,000 home here costs
$1,796per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $77,000 a year.
A standard mortgage calculator would have told you $998. The real number is $799 higher every month, 80% more than the payment most buyers budget for.
Compare Fort Bend County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Arcola from a five-year rolling sample, and with about 2,050 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Fort Bend County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Arcola against Fort Bend County and Texas
| Measure | Arcola | Fort Bend County |
|---|---|---|
| Median home value | $182,700 | $350,300 |
| Median property tax | $3,387 | $6,965 |
| Effective tax rate | 1.854% | 1.988% |
| Median gross rent | $1,117 | $1,770 |
| Population | 2,050 | 859,721 |
The weather behind that power bill
Arcola sits in Fort Bend County, which averages a high of 95.0°F in its hottest month and a low of 45.3°F in its coldest, with 49.71" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,385 cooling and 1,148 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Fort Bend County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fort Bend County
Full Fort Bend County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Arcola averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Arcola every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Arcola I already own here and may sell
Common questions
How much does it cost to own a home in Arcola?
A $183,000 home in Arcola, Texas costs approximately $1,796 per month with 20% down at 7.24%. That is $998 principal and interest, $283 property tax, $121 homeowners insurance, $242 utilities and $153 set aside for maintenance.
What is the property tax rate in Arcola?
Arcola has an effective property tax rate of 1.854%, based on a median home value of $182,700 and median real estate taxes of $3,387. That is lower than the Fort Bend County average of 1.988%.
What is the average home price in Arcola?
The median owner-occupied home value in Arcola, Texas is $182,700, against $350,300 across Fort Bend County.
Is it cheaper to rent or buy in Arcola?
Median gross rent in Arcola is $1,117 a month, against $1,796 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Arcola?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Arcola, Texas at today's rate takes a household income of roughly $77,000 a year. That covers the full $1,796 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Arcola, 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.