Total monthly cost of ownership
Cost to Own a Home in Bridge City, Texas
A $196,000 home here costs
$1,847per 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 $79,000 a year.
A standard mortgage calculator would have told you $1,069. The real number is $778 higher every month, 73% more than the payment most buyers budget for.
Compare Orange 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.
Bridge City against Orange County and Texas
| Measure | Bridge City | Orange County |
|---|---|---|
| Median home value | $195,600 | $163,400 |
| Median property tax | $2,904 | $2,036 |
| Effective tax rate | 1.485% | 1.246% |
| Median gross rent | $1,429 | $1,018 |
| Population | 9,549 | 84,993 |
The weather behind that power bill
Bridge City sits in Orange County, which averages a high of 93.1°F in its hottest month and a low of 43.8°F in its coldest, with 62.13" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 3,075 cooling and 1,262 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Orange County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Talk to someone who works this market
These are Bridge 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 Bridge City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Bridge City I already own here and may sell
Common questions
How much does it cost to own a home in Bridge City?
A $196,000 home in Bridge City, Texas costs approximately $1,847 per month with 20% down at 7.24%. That is $1,069 principal and interest, $243 property tax, $130 homeowners insurance, $242 utilities and $163 set aside for maintenance.
What is the property tax rate in Bridge City?
Bridge City has an effective property tax rate of 1.485%, based on a median home value of $195,600 and median real estate taxes of $2,904. That is higher than the Orange County average of 1.246%.
What is the average home price in Bridge City?
The median owner-occupied home value in Bridge City, Texas is $195,600, against $163,400 across Orange County.
Is it cheaper to rent or buy in Bridge City?
Median gross rent in Bridge City is $1,429 a month, against $1,847 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 Bridge City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Bridge City, Texas at today's rate takes a household income of roughly $79,000 a year. That covers the full $1,847 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bridge 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.