Total monthly cost of ownership
Cost to Own a Home in Dalhart, Texas
A $155,000 home here costs
$1,504per 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 $64,500 a year.
A standard mortgage calculator would have told you $845. The real number is $659 higher every month, 78% more than the payment most buyers budget for.
Compare Dallam County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Dalhart against Dallam County and Texas
| Measure | Dalhart | Dallam County |
|---|---|---|
| Median home value | $155,300 | $140,500 |
| Median property tax | $2,221 | $2,065 |
| Effective tax rate | 1.430% | 1.470% |
| Median gross rent | $1,079 | $1,074 |
| Population | 7,885 | 7,180 |
Dalhart extends across 2 counties. Figures here use Dallam County, where most of its housing sits.
The weather behind that power bill
Dalhart sits in Dallam County, which averages a high of 93.5°F in its hottest month and a low of 21.4°F in its coldest, with 15.6" of precipitation a year and 44% of it in a single three-month stretch. That climate drives 1,403 cooling and 4,366 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Dallam County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dallam County
No other places of this size are published in Dallam County.
Talk to someone who works this market
These are Dalhart 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 Dalhart every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Dalhart I already own here and may sell
Common questions
How much does it cost to own a home in Dalhart?
A $155,000 home in Dalhart, Texas costs approximately $1,504 per month with 20% down at 7.24%. That is $845 principal and interest, $185 property tax, $103 homeowners insurance, $242 utilities and $129 set aside for maintenance.
What is the property tax rate in Dalhart?
Dalhart has an effective property tax rate of 1.430%, based on a median home value of $155,300 and median real estate taxes of $2,221. That is lower than the Dallam County average of 1.470%.
What is the average home price in Dalhart?
The median owner-occupied home value in Dalhart, Texas is $155,300, against $140,500 across Dallam County.
Is it cheaper to rent or buy in Dalhart?
Median gross rent in Dalhart is $1,079 a month, against $1,504 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 Dalhart?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Dalhart, Texas at today's rate takes a household income of roughly $64,500 a year. That covers the full $1,504 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Dalhart, 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.