Total monthly cost of ownership
Cost to Own a Home in Freer, Texas
A $102,000 home here costs
$983per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $524. The real number is $459 higher every month — 87% 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.
Freer against Duval County and Texas
| Measure | Freer | Duval County |
|---|---|---|
| Median home value | $102,000 | $86,400 |
| Median property tax | $1,084 | $931 |
| Effective tax rate | 1.063% | 1.078% |
| Median gross rent | $733 | $737 |
| Population | 2,524 | 9,824 |
The weather behind that power bill
Freer sits in Duval County, which averages a high of 97.2°F in its hottest month and a low of 46.6°F in its coldest, with 27.01" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 3,890 cooling and 837 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Duval County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Duval County
Common questions
How much does it cost to own a home in Freer?
A $102,000 home in Freer, Texas costs approximately $983 per month with 20% down at 6.66%. That is $524 principal and interest, $90 property tax, $67 homeowners insurance, $216 utilities and $85 set aside for maintenance.
What is the property tax rate in Freer?
Freer has an effective property tax rate of 1.063%, based on a median home value of $102,000 and median real estate taxes of $1,084. That is lower than the Duval County average of 1.078%.
What is the average home price in Freer?
The median owner-occupied home value in Freer, Texas is $102,000, against $86,400 across Duval County.
Is it cheaper to rent or buy in Freer?
Median gross rent in Freer is $733 a month, against $983 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 Freer — 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.