Total monthly cost of ownership
Cost to Own a Home in Coldspring, Texas
A $189,000 home here costs
$1,661per 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 $71,000 a year.
A standard mortgage calculator would have told you $1,030. The real number is $630 higher every month, 61% more than the payment most buyers budget for.
Compare San Jacinto County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Coldspring from a five-year rolling sample, and with about 1,372 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 San Jacinto 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.
Coldspring against San Jacinto County and Texas
| Measure | Coldspring | San Jacinto County |
|---|---|---|
| Median home value | $189,300 | $183,100 |
| Median property tax | $1,267 | $2,086 |
| Effective tax rate | 0.669% | 1.139% |
| Median gross rent | $780 | $1,018 |
| Population | 1,372 | 27,983 |
The weather behind that power bill
Coldspring sits in San Jacinto County, which averages a high of 94.5°F in its hottest month and a low of 39.3°F in its coldest, with 47.65" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,721 cooling and 1,704 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for San Jacinto County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Jacinto County
Full San Jacinto County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Coldspring 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 Coldspring every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Coldspring I already own here and may sell
Common questions
How much does it cost to own a home in Coldspring?
A $189,000 home in Coldspring, Texas costs approximately $1,661 per month with 20% down at 7.24%. That is $1,030 principal and interest, $105 property tax, $125 homeowners insurance, $242 utilities and $158 set aside for maintenance.
What is the property tax rate in Coldspring?
Coldspring has an effective property tax rate of 0.669%, based on a median home value of $189,300 and median real estate taxes of $1,267. That is lower than the San Jacinto County average of 1.139%.
What is the average home price in Coldspring?
The median owner-occupied home value in Coldspring, Texas is $189,300, against $183,100 across San Jacinto County.
Is it cheaper to rent or buy in Coldspring?
Median gross rent in Coldspring is $780 a month, against $1,661 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 Coldspring?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Coldspring, Texas at today's rate takes a household income of roughly $71,000 a year. That covers the full $1,661 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Coldspring, 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.