Total monthly cost of ownership
Cost to Own a Home in Bacliff, Texas
A $168,000 home here costs
$1,576per month, all in, with 20% down at today's 7.32% 30-year fixed rate. By the 28% rule that takes a household income of about $67,500 a year.
A standard mortgage calculator would have told you $923. The real number is $653 higher every month, 71% more than the payment most buyers budget for.
Compare Galveston 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.
Bacliff against Galveston County and Texas
| Measure | Bacliff | Galveston County |
|---|---|---|
| Median home value | $168,000 | $284,900 |
| Median property tax | $1,911 | $4,238 |
| Effective tax rate | 1.137% | 1.488% |
| Median gross rent | $1,169 | $1,360 |
| Population | 9,935 | 354,721 |
The weather behind that power bill
Bacliff sits in Galveston County, which averages a high of 92.0°F in its hottest month and a low of 48.9°F in its coldest, with 47.22" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 3,571 cooling and 889 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Galveston County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Galveston County
Full Galveston County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Bacliff 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 Bacliff every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Bacliff I already own here and may sell
Common questions
How much does it cost to own a home in Bacliff?
A $168,000 home in Bacliff, Texas costs approximately $1,576 per month with 20% down at 7.32%. That is $923 principal and interest, $159 property tax, $111 homeowners insurance, $242 utilities and $140 set aside for maintenance.
What is the property tax rate in Bacliff?
Bacliff has an effective property tax rate of 1.137%, based on a median home value of $168,000 and median real estate taxes of $1,911. That is lower than the Galveston County average of 1.488%.
What is the average home price in Bacliff?
The median owner-occupied home value in Bacliff, Texas is $168,000, against $284,900 across Galveston County.
Is it cheaper to rent or buy in Bacliff?
Median gross rent in Bacliff is $1,169 a month, against $1,576 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 Bacliff?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Bacliff, Texas at today's rate takes a household income of roughly $67,500 a year. That covers the full $1,576 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bacliff, 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.