Total monthly cost of ownership
Cost to Own a Home in Beach City, Texas
A $455,000 home here costs
$3,571per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,339. The real number is $1,232 higher every month — 53% 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.
Beach City against Chambers County and Texas
| Measure | Beach City | Chambers County |
|---|---|---|
| Median home value | $455,100 | $289,900 |
| Median property tax | $4,034 | $3,290 |
| Effective tax rate | 0.886% | 1.135% |
| Median gross rent | — | $1,548 |
| Population | 3,214 | 49,178 |
The weather behind that power bill
Beach City sits in Chambers County, which averages a high of 91.5°F in its hottest month and a low of 43.2°F in its coldest, with 59.72" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,771 cooling and 1,394 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Chambers County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chambers County
Common questions
How much does it cost to own a home in Beach City?
A $455,000 home in Beach City, Texas costs approximately $3,571 per month with 20% down at 6.66%. That is $2,339 principal and interest, $336 property tax, $301 homeowners insurance, $216 utilities and $379 set aside for maintenance.
What is the property tax rate in Beach City?
Beach City has an effective property tax rate of 0.886%, based on a median home value of $455,100 and median real estate taxes of $4,034. That is lower than the Chambers County average of 1.135%.
What is the average home price in Beach City?
The median owner-occupied home value in Beach City, Texas is $455,100, against $289,900 across Chambers County.
Is it cheaper to rent or buy in Beach City?
Rent data is not published for Beach City at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Beach 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.