Total monthly cost of ownership
Cost to Own a Home in Circle D-KC Estates, Texas
A $365,000 home here costs
$3,048per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,876. The real number is $1,171 higher every month — 62% 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.
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 $148 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
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 $3,048 per month with 20% down at 6.66%. That is $1,876 principal and interest, $410 property tax, $242 homeowners insurance, $216 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.
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.