Total monthly cost of ownership
Cost to Own a Home in Beach City, Texas
A $455,000 home here costs
$3,739per 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 $160,500 a year.
A standard mortgage calculator would have told you $2,481. The real number is $1,259 higher every month, 51% more than the payment most buyers budget for.
Compare Chambers County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Beach City from a five-year rolling sample, and with about 3,214 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 Chambers 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.
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 $174 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
Talk to someone who works this market
These are Beach City 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 Beach City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Beach City I already own here and may sell
Common questions
How much does it cost to own a home in Beach City?
A $455,000 home in Beach City, Texas costs approximately $3,739 per month with 20% down at 7.24%. That is $2,481 principal and interest, $336 property tax, $301 homeowners insurance, $242 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.
What salary do you need to buy a home in Beach City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Beach City, Texas at today's rate takes a household income of roughly $160,500 a year. That covers the full $3,739 monthly cost, not just the mortgage payment.
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.