Total monthly cost of ownership
Cost to Own a Home in Bryan, Texas
A $211,000 home here costs
$1,903per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,085. The real number is $818 higher every month — 75% 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.
Bryan against Brazos County and Texas
| Measure | Bryan | Brazos County |
|---|---|---|
| Median home value | $210,600 | $279,700 |
| Median property tax | $3,434 | $4,580 |
| Effective tax rate | 1.631% | 1.637% |
| Median gross rent | $1,150 | $1,160 |
| Population | 86,169 | 237,980 |
The weather behind that power bill
Bryan sits in Brazos County, which averages a high of 96.6°F in its hottest month and a low of 41.3°F in its coldest, with 41.75" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,169 cooling and 1,545 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Brazos County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brazos County
Common questions
How much does it cost to own a home in Bryan?
A $211,000 home in Bryan, Texas costs approximately $1,903 per month with 20% down at 6.66%. That is $1,085 principal and interest, $287 property tax, $140 homeowners insurance, $216 utilities and $176 set aside for maintenance.
What is the property tax rate in Bryan?
Bryan has an effective property tax rate of 1.631%, based on a median home value of $210,600 and median real estate taxes of $3,434. That is in line with the Brazos County average of 1.637%.
What is the average home price in Bryan?
The median owner-occupied home value in Bryan, Texas is $210,600, against $279,700 across Brazos County.
Is it cheaper to rent or buy in Bryan?
Median gross rent in Bryan is $1,150 a month, against $1,903 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 Bryan — 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.