Total monthly cost of ownership
Cost to Own a Home in Crockett, Texas
A $120,000 home here costs
$1,141per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $617. The real number is $524 higher every month — 85% 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.
Crockett against Houston County and Texas
| Measure | Crockett | Houston County |
|---|---|---|
| Median home value | $119,500 | $155,100 |
| Median property tax | $1,538 | $1,429 |
| Effective tax rate | 1.287% | 0.921% |
| Median gross rent | $852 | $873 |
| Population | 6,318 | 22,042 |
The weather behind that power bill
Crockett sits in Houston County, which averages a high of 95.3°F in its hottest month and a low of 35.9°F in its coldest, with 47.32" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,583 cooling and 2,104 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Houston County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Houston County
Common questions
How much does it cost to own a home in Crockett?
A $120,000 home in Crockett, Texas costs approximately $1,141 per month with 20% down at 6.66%. That is $617 principal and interest, $129 property tax, $79 homeowners insurance, $216 utilities and $100 set aside for maintenance.
What is the property tax rate in Crockett?
Crockett has an effective property tax rate of 1.287%, based on a median home value of $119,500 and median real estate taxes of $1,538. That is higher than the Houston County average of 0.921%.
What is the average home price in Crockett?
The median owner-occupied home value in Crockett, Texas is $119,500, against $155,100 across Houston County.
Is it cheaper to rent or buy in Crockett?
Median gross rent in Crockett is $852 a month, against $1,141 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 Crockett — 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.