Total monthly cost of ownership
Cost to Own a Home in Center Point, Texas
A $252,000 home here costs
$2,111per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,296. The real number is $815 higher every month — 63% 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.
Center Point against Kerr County and Texas
| Measure | Center Point | Kerr County |
|---|---|---|
| Median home value | $252,300 | $285,100 |
| Median property tax | $2,678 | $3,115 |
| Effective tax rate | 1.061% | 1.093% |
| Median gross rent | — | $1,079 |
| Population | 1,868 | 53,166 |
The weather behind that power bill
Center Point sits in Kerr County, which averages a high of 95.5°F in its hottest month and a low of 35.2°F in its coldest, with 36.27" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,516 cooling and 1,909 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Kerr County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kerr County
Common questions
How much does it cost to own a home in Center Point?
A $252,000 home in Center Point, Texas costs approximately $2,111 per month with 20% down at 6.66%. That is $1,296 principal and interest, $223 property tax, $167 homeowners insurance, $216 utilities and $210 set aside for maintenance.
What is the property tax rate in Center Point?
Center Point has an effective property tax rate of 1.061%, based on a median home value of $252,300 and median real estate taxes of $2,678. That is lower than the Kerr County average of 1.093%.
What is the average home price in Center Point?
The median owner-occupied home value in Center Point, Texas is $252,300, against $285,100 across Kerr County.
Is it cheaper to rent or buy in Center Point?
Rent data is not published for Center Point at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Center Point — 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.