Total monthly cost of ownership
Cost to Own a Home in Eagle Pass, Texas
A $193,000 home here costs
$1,863per 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 $80,000 a year.
A standard mortgage calculator would have told you $1,052. The real number is $811 higher every month, 77% more than the payment most buyers budget for.
Compare Maverick 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.
Eagle Pass against Maverick County and Texas
| Measure | Eagle Pass | Maverick County |
|---|---|---|
| Median home value | $192,600 | $151,500 |
| Median property tax | $3,349 | $2,112 |
| Effective tax rate | 1.739% | 1.394% |
| Median gross rent | $794 | $789 |
| Population | 28,186 | 57,770 |
The weather behind that power bill
Eagle Pass sits in Maverick County, which averages a high of 98.6°F in its hottest month and a low of 39.7°F in its coldest, with 20.83" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,339 cooling and 1,400 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Maverick County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Maverick County
Talk to someone who works this market
These are Eagle Pass 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 Eagle Pass every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Eagle Pass I already own here and may sell
Common questions
How much does it cost to own a home in Eagle Pass?
A $193,000 home in Eagle Pass, Texas costs approximately $1,863 per month with 20% down at 7.24%. That is $1,052 principal and interest, $280 property tax, $128 homeowners insurance, $242 utilities and $161 set aside for maintenance.
What is the property tax rate in Eagle Pass?
Eagle Pass has an effective property tax rate of 1.739%, based on a median home value of $192,600 and median real estate taxes of $3,349. That is higher than the Maverick County average of 1.394%.
What is the average home price in Eagle Pass?
The median owner-occupied home value in Eagle Pass, Texas is $192,600, against $151,500 across Maverick County.
Is it cheaper to rent or buy in Eagle Pass?
Median gross rent in Eagle Pass is $794 a month, against $1,863 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 Eagle Pass?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Eagle Pass, Texas at today's rate takes a household income of roughly $80,000 a year. That covers the full $1,863 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Eagle Pass, 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.