Total monthly cost of ownership
Cost to Own a Home in Atlanta, Texas
A $165,000 home here costs
$1,505per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $848. The real number is $656 higher every month — 77% 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.
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 $148 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
Common questions
How much does it cost to own a home in Atlanta?
A $165,000 home in Atlanta, Texas costs approximately $1,505 per month with 20% down at 6.66%. That is $848 principal and interest, $194 property tax, $109 homeowners insurance, $216 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 $1,505 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 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.