Total monthly cost of ownership
Cost to Own a Home in Cisco, Texas
A $106,000 home here costs
$1,107per 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 $47,500 a year.
A standard mortgage calculator would have told you $578. The real number is $530 higher every month, 92% more than the payment most buyers budget for.
Compare Eastland County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Cisco from a five-year rolling sample, and with about 3,926 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 Eastland 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.
Cisco against Eastland County and Texas
| Measure | Cisco | Eastland County |
|---|---|---|
| Median home value | $105,500 | $121,700 |
| Median property tax | $1,537 | $1,451 |
| Effective tax rate | 1.457% | 1.192% |
| Median gross rent | $935 | $803 |
| Population | 3,926 | 17,846 |
The weather behind that power bill
Cisco sits in Eastland County, which averages a high of 96.0°F in its hottest month and a low of 30.4°F in its coldest, with 29.17" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,270 cooling and 2,693 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Eastland County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Eastland County
Talk to someone who works this market
These are Cisco 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 Cisco every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Cisco?
A $106,000 home in Cisco, Texas costs approximately $1,107 per month with 20% down at 7.24%. That is $578 principal and interest, $129 property tax, $70 homeowners insurance, $242 utilities and $88 set aside for maintenance.
What is the property tax rate in Cisco?
Cisco has an effective property tax rate of 1.457%, based on a median home value of $105,500 and median real estate taxes of $1,537. That is higher than the Eastland County average of 1.192%.
What is the average home price in Cisco?
The median owner-occupied home value in Cisco, Texas is $105,500, against $121,700 across Eastland County.
Is it cheaper to rent or buy in Cisco?
Median gross rent in Cisco is $935 a month, against $1,107 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 Cisco?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Cisco, Texas at today's rate takes a household income of roughly $47,500 a year. That covers the full $1,107 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cisco, 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.