Total monthly cost of ownership
Cost to Own a Home in Bellville, Texas
A $249,000 home here costs
$2,178per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,280. The real number is $898 higher every month — 70% 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.
Bellville against Austin County and Texas
| Measure | Bellville | Austin County |
|---|---|---|
| Median home value | $249,100 | $270,900 |
| Median property tax | $3,720 | $3,464 |
| Effective tax rate | 1.493% | 1.279% |
| Median gross rent | $891 | $1,111 |
| Population | 4,196 | 30,712 |
The weather behind that power bill
Bellville sits in Austin County, which averages a high of 94.8°F in its hottest month and a low of 40.9°F in its coldest, with 43.9" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,956 cooling and 1,559 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Austin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Austin County
Common questions
How much does it cost to own a home in Bellville?
A $249,000 home in Bellville, Texas costs approximately $2,178 per month with 20% down at 6.66%. That is $1,280 principal and interest, $310 property tax, $165 homeowners insurance, $216 utilities and $208 set aside for maintenance.
What is the property tax rate in Bellville?
Bellville has an effective property tax rate of 1.493%, based on a median home value of $249,100 and median real estate taxes of $3,720. That is higher than the Austin County average of 1.279%.
What is the average home price in Bellville?
The median owner-occupied home value in Bellville, Texas is $249,100, against $270,900 across Austin County.
Is it cheaper to rent or buy in Bellville?
Median gross rent in Bellville is $891 a month, against $2,178 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 Bellville — 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.