Total monthly cost of ownership
Cost to Own a Home in Clifton, Texas
A $148,000 home here costs
$1,403per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $761. The real number is $642 higher every month — 84% 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.
Clifton against Bosque County and Texas
| Measure | Clifton | Bosque County |
|---|---|---|
| Median home value | $147,500 | $184,500 |
| Median property tax | $2,450 | $1,859 |
| Effective tax rate | 1.661% | 1.008% |
| Median gross rent | $1,008 | $926 |
| Population | 3,489 | 18,546 |
The weather behind that power bill
Clifton sits in Bosque County, which averages a high of 97.1°F in its hottest month and a low of 35.8°F in its coldest, with 36.4" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,868 cooling and 2,080 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Bosque County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bosque County
Common questions
How much does it cost to own a home in Clifton?
A $148,000 home in Clifton, Texas costs approximately $1,403 per month with 20% down at 6.66%. That is $761 principal and interest, $205 property tax, $98 homeowners insurance, $216 utilities and $123 set aside for maintenance.
What is the property tax rate in Clifton?
Clifton has an effective property tax rate of 1.661%, based on a median home value of $147,500 and median real estate taxes of $2,450. That is higher than the Bosque County average of 1.008%.
What is the average home price in Clifton?
The median owner-occupied home value in Clifton, Texas is $147,500, against $184,500 across Bosque County.
Is it cheaper to rent or buy in Clifton?
Median gross rent in Clifton is $1,008 a month, against $1,403 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Clifton — 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.