Total monthly cost of ownership
Cost to Own a Home in Clute, Texas
A $251,000 home here costs
$2,263per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,290. The real number is $973 higher every month — 75% 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.
Clute against Brazoria County and Texas
| Measure | Clute | Brazoria County |
|---|---|---|
| Median home value | $251,100 | $276,800 |
| Median property tax | $4,581 | $4,831 |
| Effective tax rate | 1.824% | 1.745% |
| Median gross rent | $1,223 | $1,410 |
| Population | 10,650 | 381,650 |
The weather behind that power bill
Clute sits in Brazoria County, which averages a high of 91.6°F in its hottest month and a low of 46.8°F in its coldest, with 53.37" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 3,213 cooling and 1,044 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Brazoria County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brazoria County
Common questions
How much does it cost to own a home in Clute?
A $251,000 home in Clute, Texas costs approximately $2,263 per month with 20% down at 6.66%. That is $1,290 principal and interest, $382 property tax, $166 homeowners insurance, $216 utilities and $209 set aside for maintenance.
What is the property tax rate in Clute?
Clute has an effective property tax rate of 1.824%, based on a median home value of $251,100 and median real estate taxes of $4,581. That is higher than the Brazoria County average of 1.745%.
What is the average home price in Clute?
The median owner-occupied home value in Clute, Texas is $251,100, against $276,800 across Brazoria County.
Is it cheaper to rent or buy in Clute?
Median gross rent in Clute is $1,223 a month, against $2,263 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 Clute — 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.