Total monthly cost of ownership
Cost to Own a Home in De Kalb, Texas
A $100,000 home here costs
$1,005per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $514. The real number is $491 higher every month — 96% 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.
De Kalb against Bowie County and Texas
| Measure | De Kalb | Bowie County |
|---|---|---|
| Median home value | $99,900 | $161,300 |
| Median property tax | $1,508 | $2,091 |
| Effective tax rate | 1.510% | 1.296% |
| Median gross rent | $775 | $966 |
| Population | 1,702 | 92,321 |
The weather behind that power bill
De Kalb sits in Bowie County, which averages a high of 94.2°F in its hottest month and a low of 31.6°F in its coldest, with 52.82" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,115 cooling and 2,767 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Bowie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bowie County
Common questions
How much does it cost to own a home in De Kalb?
A $100,000 home in De Kalb, Texas costs approximately $1,005 per month with 20% down at 6.66%. That is $514 principal and interest, $126 property tax, $66 homeowners insurance, $216 utilities and $83 set aside for maintenance.
What is the property tax rate in De Kalb?
De Kalb has an effective property tax rate of 1.510%, based on a median home value of $99,900 and median real estate taxes of $1,508. That is higher than the Bowie County average of 1.296%.
What is the average home price in De Kalb?
The median owner-occupied home value in De Kalb, Texas is $99,900, against $161,300 across Bowie County.
Is it cheaper to rent or buy in De Kalb?
Median gross rent in De Kalb is $775 a month, against $1,005 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 De Kalb — 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.