Total monthly cost of ownership
Cost to Own a Home in Circle D-KC Estates, Texas
A $365,000 home here costs
$3,188per 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 $136,500 a year.
A standard mortgage calculator would have told you $1,990. The real number is $1,198 higher every month, 60% more than the payment most buyers budget for.
Compare Bastrop County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Circle D-KC Estates from a five-year rolling sample, and with about 3,321 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Bastrop County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Circle D-KC Estates against Bastrop County and Texas
| Measure | Circle D-KC Estates | Bastrop County |
|---|---|---|
| Median home value | $365,200 | $269,500 |
| Median property tax | $4,918 | $4,077 |
| Effective tax rate | 1.347% | 1.513% |
| Median gross rent | — | $1,342 |
| Population | 3,321 | 102,370 |
The weather behind that power bill
Circle D-KC Estates sits in Bastrop County, which averages a high of 97.0°F in its hottest month and a low of 38.6°F in its coldest, with 37.12" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,999 cooling and 1,691 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Bastrop County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bastrop County
Talk to someone who works this market
These are Circle D-KC Estates 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 Circle D-KC Estates every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Circle D-KC Estates I already own here and may sell
Common questions
How much does it cost to own a home in Circle D-KC Estates?
A $365,000 home in Circle D-KC Estates, Texas costs approximately $3,188 per month with 20% down at 7.24%. That is $1,990 principal and interest, $410 property tax, $242 homeowners insurance, $242 utilities and $304 set aside for maintenance.
What is the property tax rate in Circle D-KC Estates?
Circle D-KC Estates has an effective property tax rate of 1.347%, based on a median home value of $365,200 and median real estate taxes of $4,918. That is lower than the Bastrop County average of 1.513%.
What is the average home price in Circle D-KC Estates?
The median owner-occupied home value in Circle D-KC Estates, Texas is $365,200, against $269,500 across Bastrop County.
Is it cheaper to rent or buy in Circle D-KC Estates?
Rent data is not published for Circle D-KC Estates at this level of detail.
What salary do you need to buy a home in Circle D-KC Estates?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Circle D-KC Estates, Texas at today's rate takes a household income of roughly $136,500 a year. That covers the full $3,188 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Circle D-KC Estates, 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.