Total monthly cost of ownership
Cost to Own a Home in Eden, Texas
A $84,000 home here costs
$881per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $432. The real number is $449 higher every month — 104% 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.
Eden against Concho County and Texas
| Measure | Eden | Concho County |
|---|---|---|
| Median home value | $83,800 | $105,800 |
| Median property tax | $1,286 | $1,600 |
| Effective tax rate | 1.535% | 1.512% |
| Median gross rent | $910 | $919 |
| Population | 1,793 | 3,301 |
The weather behind that power bill
Eden sits in Concho County, which averages a high of 94.6°F in its hottest month and a low of 31.0°F in its coldest, with 26.51" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,229 cooling and 2,612 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Concho County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Concho County
No other places of this size are published in Concho County.
Common questions
How much does it cost to own a home in Eden?
A $84,000 home in Eden, Texas costs approximately $881 per month with 20% down at 6.66%. That is $432 principal and interest, $107 property tax, $56 homeowners insurance, $216 utilities and $70 set aside for maintenance.
What is the property tax rate in Eden?
Eden has an effective property tax rate of 1.535%, based on a median home value of $83,800 and median real estate taxes of $1,286. That is higher than the Concho County average of 1.512%.
What is the average home price in Eden?
The median owner-occupied home value in Eden, Texas is $83,800, against $105,800 across Concho County.
Is it cheaper to rent or buy in Eden?
Median gross rent in Eden is $910 a month, against $881 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Eden — 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.