Total monthly cost of ownership
Cost to Own a Home in Charlotte, Texas
A $62,000 home here costs
$717per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $319. The real number is $398 higher every month — 125% 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.
Charlotte against Atascosa County and Texas
| Measure | Charlotte | Atascosa County |
|---|---|---|
| Median home value | $61,900 | $157,400 |
| Median property tax | $1,071 | $2,079 |
| Effective tax rate | 1.730% | 1.321% |
| Median gross rent | — | $997 |
| Population | 1,109 | 50,058 |
The weather behind that power bill
Charlotte sits in Atascosa County, which averages a high of 97.5°F in its hottest month and a low of 39.9°F in its coldest, with 31.53" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 3,331 cooling and 1,372 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Atascosa County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Atascosa County
Common questions
How much does it cost to own a home in Charlotte?
A $62,000 home in Charlotte, Texas costs approximately $717 per month with 20% down at 6.66%. That is $319 principal and interest, $89 property tax, $41 homeowners insurance, $216 utilities and $52 set aside for maintenance.
What is the property tax rate in Charlotte?
Charlotte has an effective property tax rate of 1.730%, based on a median home value of $61,900 and median real estate taxes of $1,071. That is higher than the Atascosa County average of 1.321%.
What is the average home price in Charlotte?
The median owner-occupied home value in Charlotte, Texas is $61,900, against $157,400 across Atascosa County.
Is it cheaper to rent or buy in Charlotte?
Rent data is not published for Charlotte at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Charlotte — 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.