Total monthly cost of ownership
Cost to Own a Home in Atlanta, Texas
A $165,000 home here costs
$1,583per 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 $68,000 a year.
A standard mortgage calculator would have told you $900. The real number is $683 higher every month, 76% more than the payment most buyers budget for.
Compare Cass County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Atlanta against Cass County and Texas
| Measure | Atlanta | Cass County |
|---|---|---|
| Median home value | $165,300 | $133,500 |
| Median property tax | $2,333 | $1,419 |
| Effective tax rate | 1.411% | 1.063% |
| Median gross rent | $836 | $821 |
| Population | 5,434 | 28,582 |
The weather behind that power bill
Atlanta sits in Cass County, which averages a high of 94.7°F in its hottest month and a low of 33.1°F in its coldest, with 50.28" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,348 cooling and 2,557 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Cass County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cass County
Talk to someone who works this market
These are Atlanta 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 Atlanta every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Atlanta?
A $165,000 home in Atlanta, Texas costs approximately $1,583 per month with 20% down at 7.24%. That is $900 principal and interest, $194 property tax, $109 homeowners insurance, $242 utilities and $138 set aside for maintenance.
What is the property tax rate in Atlanta?
Atlanta has an effective property tax rate of 1.411%, based on a median home value of $165,300 and median real estate taxes of $2,333. That is higher than the Cass County average of 1.063%.
What is the average home price in Atlanta?
The median owner-occupied home value in Atlanta, Texas is $165,300, against $133,500 across Cass County.
Is it cheaper to rent or buy in Atlanta?
Median gross rent in Atlanta is $836 a month, against $1,583 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 Atlanta?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Atlanta, Texas at today's rate takes a household income of roughly $68,000 a year. That covers the full $1,583 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Atlanta, 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.