Total monthly cost of ownership
Cost to Own a Home in Flatonia, Texas
A $177,000 home here costs
$1,604per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $910. The real number is $694 higher every month — 76% 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.
Flatonia against Fayette County and Texas
| Measure | Flatonia | Fayette County |
|---|---|---|
| Median home value | $176,700 | $271,100 |
| Median property tax | $2,557 | $2,734 |
| Effective tax rate | 1.447% | 1.008% |
| Median gross rent | $683 | $909 |
| Population | 1,741 | 24,783 |
The weather behind that power bill
Flatonia sits in Fayette County, which averages a high of 97.4°F in its hottest month and a low of 39.8°F in its coldest, with 39.63" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,092 cooling and 1,619 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Fayette County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fayette County
Common questions
How much does it cost to own a home in Flatonia?
A $177,000 home in Flatonia, Texas costs approximately $1,604 per month with 20% down at 6.66%. That is $910 principal and interest, $213 property tax, $117 homeowners insurance, $216 utilities and $148 set aside for maintenance.
What is the property tax rate in Flatonia?
Flatonia has an effective property tax rate of 1.447%, based on a median home value of $176,700 and median real estate taxes of $2,557. That is higher than the Fayette County average of 1.008%.
What is the average home price in Flatonia?
The median owner-occupied home value in Flatonia, Texas is $176,700, against $271,100 across Fayette County.
Is it cheaper to rent or buy in Flatonia?
Median gross rent in Flatonia is $683 a month, against $1,604 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 Flatonia — 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.