Total monthly cost of ownership
Cost to Own a Home in Dayton, Texas
A $212,000 home here costs
$1,902per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,090. The real number is $812 higher every month — 75% 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.
Dayton against Liberty County and Texas
| Measure | Dayton | Liberty County |
|---|---|---|
| Median home value | $211,900 | $167,100 |
| Median property tax | $3,353 | $2,091 |
| Effective tax rate | 1.582% | 1.251% |
| Median gross rent | $1,002 | $1,038 |
| Population | 9,121 | 97,993 |
The weather behind that power bill
Dayton sits in Liberty County, which averages a high of 94.2°F in its hottest month and a low of 41.2°F in its coldest, with 62.82" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,953 cooling and 1,434 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Liberty County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Liberty County
Common questions
How much does it cost to own a home in Dayton?
A $212,000 home in Dayton, Texas costs approximately $1,902 per month with 20% down at 6.66%. That is $1,090 principal and interest, $279 property tax, $140 homeowners insurance, $216 utilities and $177 set aside for maintenance.
What is the property tax rate in Dayton?
Dayton has an effective property tax rate of 1.582%, based on a median home value of $211,900 and median real estate taxes of $3,353. That is higher than the Liberty County average of 1.251%.
What is the average home price in Dayton?
The median owner-occupied home value in Dayton, Texas is $211,900, against $167,100 across Liberty County.
Is it cheaper to rent or buy in Dayton?
Median gross rent in Dayton is $1,002 a month, against $1,902 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 Dayton — 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.