Total monthly cost of ownership
Cost to Own a Home in Fort Stockton, Texas
A $177,000 home here costs
$1,566per 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 $656 higher every month — 72% 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 Stockton against Pecos County and Texas
| Measure | Fort Stockton | Pecos County |
|---|---|---|
| Median home value | $176,600 | $142,900 |
| Median property tax | $2,103 | $1,477 |
| Effective tax rate | 1.191% | 1.034% |
| Median gross rent | $977 | $973 |
| Population | 8,340 | 14,983 |
The weather behind that power bill
Fort Stockton sits in Pecos County, which averages a high of 94.7°F in its hottest month and a low of 36.1°F in its coldest, with 12.76" of precipitation a year and 40% of it in a single three-month stretch. That climate drives 2,604 cooling and 1,979 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Pecos County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Pecos County
Common questions
How much does it cost to own a home in Fort Stockton?
A $177,000 home in Fort Stockton, Texas costs approximately $1,566 per month with 20% down at 6.66%. That is $910 principal and interest, $176 property tax, $117 homeowners insurance, $216 utilities and $148 set aside for maintenance.
What is the property tax rate in Fort Stockton?
Fort Stockton has an effective property tax rate of 1.191%, based on a median home value of $176,600 and median real estate taxes of $2,103. That is higher than the Pecos County average of 1.034%.
What is the average home price in Fort Stockton?
The median owner-occupied home value in Fort Stockton, Texas is $176,600, against $142,900 across Pecos County.
Is it cheaper to rent or buy in Fort Stockton?
Median gross rent in Fort Stockton is $977 a month, against $1,566 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 Fort Stockton — 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.