Total monthly cost of ownership
Cost to Own a Home in Cooper, Texas
A $85,000 home here costs
$925per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $488 higher every month — 112% 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.
Cooper against Delta County and Texas
| Measure | Cooper | Delta County |
|---|---|---|
| Median home value | $85,200 | $149,400 |
| Median property tax | $1,750 | $1,456 |
| Effective tax rate | 2.054% | 0.975% |
| Median gross rent | $870 | $857 |
| Population | 2,045 | 5,345 |
The weather behind that power bill
Cooper sits in Delta County, which averages a high of 94.1°F in its hottest month and a low of 33.6°F in its coldest, with 49.25" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,425 cooling and 2,558 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Delta County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Delta County
No other places of this size are published in Delta County.
Common questions
How much does it cost to own a home in Cooper?
A $85,000 home in Cooper, Texas costs approximately $925 per month with 20% down at 6.66%. That is $437 principal and interest, $145 property tax, $56 homeowners insurance, $216 utilities and $71 set aside for maintenance.
What is the property tax rate in Cooper?
Cooper has an effective property tax rate of 2.054%, based on a median home value of $85,200 and median real estate taxes of $1,750. That is higher than the Delta County average of 0.975%.
What is the average home price in Cooper?
The median owner-occupied home value in Cooper, Texas is $85,200, against $149,400 across Delta County.
Is it cheaper to rent or buy in Cooper?
Median gross rent in Cooper is $870 a month, against $925 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 Cooper — 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.