Total monthly cost of ownership
Cost to Own a Home in Fort Clark Springs, Texas
A $115,000 home here costs
$1,111per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $591. The real number is $519 higher every month — 88% 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.
Fort Clark Springs against Kinney County and Texas
| Measure | Fort Clark Springs | Kinney County |
|---|---|---|
| Median home value | $114,600 | $88,500 |
| Median property tax | $1,573 | $1,244 |
| Effective tax rate | 1.373% | 1.406% |
| Median gross rent | — | $771 |
| Population | 1,146 | 3,140 |
The weather behind that power bill
Fort Clark Springs sits in Kinney County, which averages a high of 96.7°F in its hottest month and a low of 37.9°F in its coldest, with 24.31" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 2,985 cooling and 1,506 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Kinney County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kinney County
Common questions
How much does it cost to own a home in Fort Clark Springs?
A $115,000 home in Fort Clark Springs, Texas costs approximately $1,111 per month with 20% down at 6.66%. That is $591 principal and interest, $132 property tax, $76 homeowners insurance, $216 utilities and $96 set aside for maintenance.
What is the property tax rate in Fort Clark Springs?
Fort Clark Springs has an effective property tax rate of 1.373%, based on a median home value of $114,600 and median real estate taxes of $1,573. That is lower than the Kinney County average of 1.406%.
What is the average home price in Fort Clark Springs?
The median owner-occupied home value in Fort Clark Springs, Texas is $114,600, against $88,500 across Kinney County.
Is it cheaper to rent or buy in Fort Clark Springs?
Rent data is not published for Fort Clark Springs at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Fort Clark Springs — 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.