Total monthly cost of ownership
Cost to Own a Home in Granger, Texas
A $146,000 home here costs
$1,348per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $751. The real number is $598 higher every month — 80% 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.
Granger against Williamson County and Texas
| Measure | Granger | Williamson County |
|---|---|---|
| Median home value | $145,700 | $414,600 |
| Median property tax | $1,961 | $7,079 |
| Effective tax rate | 1.346% | 1.707% |
| Median gross rent | — | $1,720 |
| Population | 1,015 | 643,889 |
The weather behind that power bill
Granger sits in Williamson County, which averages a high of 96.8°F in its hottest month and a low of 36.2°F in its coldest, with 37.08" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,748 cooling and 1,949 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Williamson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Williamson County
Full Williamson County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Granger?
A $146,000 home in Granger, Texas costs approximately $1,348 per month with 20% down at 6.66%. That is $751 principal and interest, $164 property tax, $97 homeowners insurance, $216 utilities and $122 set aside for maintenance.
What is the property tax rate in Granger?
Granger has an effective property tax rate of 1.346%, based on a median home value of $145,700 and median real estate taxes of $1,961. That is lower than the Williamson County average of 1.707%.
What is the average home price in Granger?
The median owner-occupied home value in Granger, Texas is $145,700, against $414,600 across Williamson County.
Is it cheaper to rent or buy in Granger?
Rent data is not published for Granger at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Granger — 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.