Total monthly cost of ownership
Cost to Own a Home in Brushy Creek, Texas
A $452,000 home here costs
$4,078per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $175,000 a year.
A standard mortgage calculator would have told you $2,504. The real number is $1,575 higher every month, 63% more than the payment most buyers budget for.
Compare Williamson 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.
Brushy Creek against Williamson County and Texas
| Measure | Brushy Creek | Williamson County |
|---|---|---|
| Median home value | $451,500 | $414,600 |
| Median property tax | $7,874 | $7,079 |
| Effective tax rate | 1.744% | 1.707% |
| Median gross rent | $2,024 | $1,720 |
| Population | 20,953 | 643,889 |
The weather behind that power bill
Brushy Creek sits in Williamson County, which averages a high of 96.8°F in its hottest month and a low of 36.2°F in its coldest, with 37.08" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,748 cooling and 1,949 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Williamson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Williamson County
Full Williamson County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Brushy Creek 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 Brushy Creek every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Brushy Creek I already own here and may sell
Common questions
How much does it cost to own a home in Brushy Creek?
A $452,000 home in Brushy Creek, Texas costs approximately $4,078 per month with 20% down at 7.4%. That is $2,504 principal and interest, $657 property tax, $299 homeowners insurance, $242 utilities and $377 set aside for maintenance.
What is the property tax rate in Brushy Creek?
Brushy Creek has an effective property tax rate of 1.744%, based on a median home value of $451,500 and median real estate taxes of $7,874. That is higher than the Williamson County average of 1.707%.
What is the average home price in Brushy Creek?
The median owner-occupied home value in Brushy Creek, Texas is $451,500, against $414,600 across Williamson County.
Is it cheaper to rent or buy in Brushy Creek?
Median gross rent in Brushy Creek is $2,024 a month, against $4,078 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 Brushy Creek?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Brushy Creek, Texas at today's rate takes a household income of roughly $175,000 a year. That covers the full $4,078 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Brushy Creek, 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.