Total monthly cost of ownership
Cost to Own a Home in Fulton, Texas
A $79,000 home here costs
$807per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $406. The real number is $401 higher every month — 99% 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.
Fulton against Aransas County and Texas
| Measure | Fulton | Aransas County |
|---|---|---|
| Median home value | $78,700 | $236,800 |
| Median property tax | — | $2,401 |
| Effective tax rate | 1.014% | 1.014% |
| Median gross rent | $1,136 | $1,052 |
| Population | 1,002 | 24,449 |
The weather behind that power bill
Fulton sits in Aransas County, which averages a high of 92.4°F in its hottest month and a low of 48.9°F in its coldest, with 28.38" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,774 cooling and 826 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Aransas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Aransas County
Common questions
How much does it cost to own a home in Fulton?
A $79,000 home in Fulton, Texas costs approximately $807 per month with 20% down at 6.66%. That is $406 principal and interest, $67 property tax, $52 homeowners insurance, $216 utilities and $66 set aside for maintenance.
What is the property tax rate in Fulton?
Place-level tax data is not published for Fulton, so the Aransas County rate of 1.014% applies here.
What is the average home price in Fulton?
The median owner-occupied home value in Fulton, Texas is $78,700, against $236,800 across Aransas County.
Is it cheaper to rent or buy in Fulton?
Median gross rent in Fulton is $1,136 a month, against $807 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 Fulton — 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.