Total monthly cost of ownership
Cost to Own a Home in Cooper, Texas
A $85,000 home here costs
$978per 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 $42,000 a year.
A standard mortgage calculator would have told you $463. The real number is $515 higher every month, 111% more than the payment most buyers budget for.
Compare Delta County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Cooper from a five-year rolling sample, and with about 2,045 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 Delta 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.
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 $174 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.
Talk to someone who works this market
These are Cooper 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 Cooper every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Cooper I already own here and may sell
Common questions
How much does it cost to own a home in Cooper?
A $85,000 home in Cooper, Texas costs approximately $978 per month with 20% down at 7.24%. That is $463 principal and interest, $145 property tax, $56 homeowners insurance, $242 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 $978 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 Cooper?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Cooper, Texas at today's rate takes a household income of roughly $42,000 a year. That covers the full $978 monthly cost, not just the mortgage payment.
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.