Total monthly cost of ownership
Cost to Own a Home in Clyde, Texas
A $151,000 home here costs
$1,433per 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 $61,500 a year.
A standard mortgage calculator would have told you $823. The real number is $610 higher every month, 74% more than the payment most buyers budget for.
Compare Callahan County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Clyde from a five-year rolling sample, and with about 3,899 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 Callahan 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.
Clyde against Callahan County and Texas
| Measure | Clyde | Callahan County |
|---|---|---|
| Median home value | $150,600 | $144,800 |
| Median property tax | $1,693 | $1,587 |
| Effective tax rate | 1.124% | 1.096% |
| Median gross rent | $1,018 | $881 |
| Population | 3,899 | 14,017 |
The weather behind that power bill
Clyde sits in Callahan County, which averages a high of 96.4°F in its hottest month and a low of 33.7°F in its coldest, with 25.24" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,696 cooling and 2,320 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Callahan County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Callahan County
Talk to someone who works this market
These are Clyde 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 Clyde 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 Clyde?
A $151,000 home in Clyde, Texas costs approximately $1,433 per month with 20% down at 7.24%. That is $823 principal and interest, $141 property tax, $100 homeowners insurance, $242 utilities and $126 set aside for maintenance.
What is the property tax rate in Clyde?
Clyde has an effective property tax rate of 1.124%, based on a median home value of $150,600 and median real estate taxes of $1,693. That is higher than the Callahan County average of 1.096%.
What is the average home price in Clyde?
The median owner-occupied home value in Clyde, Texas is $150,600, against $144,800 across Callahan County.
Is it cheaper to rent or buy in Clyde?
Median gross rent in Clyde is $1,018 a month, against $1,433 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 Clyde?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Clyde, Texas at today's rate takes a household income of roughly $61,500 a year. That covers the full $1,433 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Clyde, 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.