Total monthly cost of ownership
Cost to Own a Home in Dublin, Texas
A $129,000 home here costs
$1,267per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $663. The real number is $604 higher every month — 91% 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.
Dublin against Erath County and Texas
| Measure | Dublin | Erath County |
|---|---|---|
| Median home value | $128,900 | $251,900 |
| Median property tax | $2,339 | $2,836 |
| Effective tax rate | 1.815% | 1.126% |
| Median gross rent | $1,160 | $1,134 |
| Population | 3,404 | 43,244 |
The weather behind that power bill
Dublin sits in Erath County, which averages a high of 97.6°F in its hottest month and a low of 30.9°F in its coldest, with 34.13" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,502 cooling and 2,484 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Erath County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Erath County
Common questions
How much does it cost to own a home in Dublin?
A $129,000 home in Dublin, Texas costs approximately $1,267 per month with 20% down at 6.66%. That is $663 principal and interest, $195 property tax, $85 homeowners insurance, $216 utilities and $108 set aside for maintenance.
What is the property tax rate in Dublin?
Dublin has an effective property tax rate of 1.815%, based on a median home value of $128,900 and median real estate taxes of $2,339. That is higher than the Erath County average of 1.126%.
What is the average home price in Dublin?
The median owner-occupied home value in Dublin, Texas is $128,900, against $251,900 across Erath County.
Is it cheaper to rent or buy in Dublin?
Median gross rent in Dublin is $1,160 a month, against $1,267 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 Dublin — 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.