Total monthly cost of ownership
Cost to Own a Home in Borger, Texas
A $90,000 home here costs
$939per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $463. The real number is $476 higher every month — 103% 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.
Borger against Hutchinson County and Texas
| Measure | Borger | Hutchinson County |
|---|---|---|
| Median home value | $90,000 | $102,200 |
| Median property tax | $1,511 | $1,515 |
| Effective tax rate | 1.679% | 1.482% |
| Median gross rent | $833 | $852 |
| Population | 12,398 | 20,413 |
The weather behind that power bill
Borger sits in Hutchinson County, which averages a high of 95.4°F in its hottest month and a low of 27.5°F in its coldest, with 18.62" of precipitation a year and 42% of it in a single three-month stretch. That climate drives 2,051 cooling and 3,522 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Hutchinson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hutchinson County
Full Hutchinson County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Borger?
A $90,000 home in Borger, Texas costs approximately $939 per month with 20% down at 6.66%. That is $463 principal and interest, $126 property tax, $60 homeowners insurance, $216 utilities and $75 set aside for maintenance.
What is the property tax rate in Borger?
Borger has an effective property tax rate of 1.679%, based on a median home value of $90,000 and median real estate taxes of $1,511. That is higher than the Hutchinson County average of 1.482%.
What is the average home price in Borger?
The median owner-occupied home value in Borger, Texas is $90,000, against $102,200 across Hutchinson County.
Is it cheaper to rent or buy in Borger?
Median gross rent in Borger is $833 a month, against $939 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 Borger — 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.