Total monthly cost of ownership
Cost to Own a Home in Dawson, Texas
A $125,000 home here costs
$1,219per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $643. The real number is $577 higher every month — 90% 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.
Dawson against Navarro County and Texas
| Measure | Dawson | Navarro County |
|---|---|---|
| Median home value | $125,400 | $159,900 |
| Median property tax | $2,095 | $2,119 |
| Effective tax rate | 1.671% | 1.325% |
| Median gross rent | $711 | $1,039 |
| Population | 1,324 | 53,735 |
The weather behind that power bill
Dawson sits in Navarro County, which averages a high of 96.0°F in its hottest month and a low of 37.5°F in its coldest, with 39.33" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,772 cooling and 2,021 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Navarro County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Navarro County
Common questions
How much does it cost to own a home in Dawson?
A $125,000 home in Dawson, Texas costs approximately $1,219 per month with 20% down at 6.66%. That is $643 principal and interest, $174 property tax, $83 homeowners insurance, $216 utilities and $104 set aside for maintenance.
What is the property tax rate in Dawson?
Dawson has an effective property tax rate of 1.671%, based on a median home value of $125,400 and median real estate taxes of $2,095. That is higher than the Navarro County average of 1.325%.
What is the average home price in Dawson?
The median owner-occupied home value in Dawson, Texas is $125,400, against $159,900 across Navarro County.
Is it cheaper to rent or buy in Dawson?
Median gross rent in Dawson is $711 a month, against $1,219 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 Dawson — 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.