Total monthly cost of ownership
Cost to Own a Home in Cinco Ranch, Texas
A $460,000 home here costs
$4,216per 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 $180,500 a year.
A standard mortgage calculator would have told you $2,508. The real number is $1,708 higher every month, 68% more than the payment most buyers budget for.
Compare Harris 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.
Cinco Ranch against Harris County and Texas
| Measure | Cinco Ranch | Harris County |
|---|---|---|
| Median home value | $459,500 | $255,000 |
| Median property tax | $9,328 | $4,382 |
| Effective tax rate | 2.030% | 1.718% |
| Median gross rent | $1,968 | $1,349 |
| Population | 19,139 | 4,758,579 |
Cinco Ranch extends across 2 counties. Figures here use Harris County, where most of its housing sits.
The weather behind that power bill
Cinco Ranch sits in Harris County, which averages a high of 94.9°F in its hottest month and a low of 43.7°F in its coldest, with 51.84" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,288 cooling and 1,266 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Harris County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harris County
Talk to someone who works this market
These are Cinco Ranch 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 Cinco Ranch every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Cinco Ranch?
A $460,000 home in Cinco Ranch, Texas costs approximately $4,216 per month with 20% down at 7.24%. That is $2,508 principal and interest, $778 property tax, $304 homeowners insurance, $242 utilities and $383 set aside for maintenance.
What is the property tax rate in Cinco Ranch?
Cinco Ranch has an effective property tax rate of 2.030%, based on a median home value of $459,500 and median real estate taxes of $9,328. That is higher than the Harris County average of 1.718%.
What is the average home price in Cinco Ranch?
The median owner-occupied home value in Cinco Ranch, Texas is $459,500, against $255,000 across Harris County.
Is it cheaper to rent or buy in Cinco Ranch?
Median gross rent in Cinco Ranch is $1,968 a month, against $4,216 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 Cinco Ranch?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Cinco Ranch, Texas at today's rate takes a household income of roughly $180,500 a year. That covers the full $4,216 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cinco Ranch, 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.