Total monthly cost of ownership
Cost to Own a Home in College Station, Texas
A $327,000 home here costs
$2,865per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,681. The real number is $1,184 higher every month — 70% 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.
College Station against Brazos County and Texas
| Measure | College Station | Brazos County |
|---|---|---|
| Median home value | $326,500 | $279,700 |
| Median property tax | $5,742 | $4,580 |
| Effective tax rate | 1.759% | 1.637% |
| Median gross rent | $1,168 | $1,160 |
| Population | 122,280 | 237,980 |
The weather behind that power bill
College Station sits in Brazos County, which averages a high of 96.6°F in its hottest month and a low of 41.3°F in its coldest, with 41.75" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,169 cooling and 1,545 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Brazos County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brazos County
Common questions
How much does it cost to own a home in College Station?
A $327,000 home in College Station, Texas costs approximately $2,865 per month with 20% down at 6.66%. That is $1,681 principal and interest, $479 property tax, $216 homeowners insurance, $216 utilities and $273 set aside for maintenance.
What is the property tax rate in College Station?
College Station has an effective property tax rate of 1.759%, based on a median home value of $326,500 and median real estate taxes of $5,742. That is higher than the Brazos County average of 1.637%.
What is the average home price in College Station?
The median owner-occupied home value in College Station, Texas is $326,500, against $279,700 across Brazos County.
Is it cheaper to rent or buy in College Station?
Median gross rent in College Station is $1,168 a month, against $2,865 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 College Station — 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.