Total monthly cost of ownership
Cost to Own a Home in Coldspring, Texas
A $189,000 home here costs
$1,575per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $972. The real number is $604 higher every month — 62% 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.
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 $148 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
Common questions
How much does it cost to own a home in Coldspring?
A $189,000 home in Coldspring, Texas costs approximately $1,575 per month with 20% down at 6.66%. That is $972 principal and interest, $105 property tax, $125 homeowners insurance, $216 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 $1,575 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 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.