Total monthly cost of ownership
Cost to Own a Home in Grape Creek, Texas
A $109,000 home here costs
$1,043per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $560. The real number is $482 higher every month — 86% 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.
Grape Creek against Tom Green County and Texas
| Measure | Grape Creek | Tom Green County |
|---|---|---|
| Median home value | $109,000 | $186,700 |
| Median property tax | $1,242 | $2,523 |
| Effective tax rate | 1.139% | 1.351% |
| Median gross rent | $1,096 | $1,125 |
| Population | 4,214 | 119,398 |
The weather behind that power bill
Grape Creek sits in Tom Green County, which averages a high of 97.4°F in its hottest month and a low of 33.7°F in its coldest, with 20.93" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 2,786 cooling and 2,130 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Tom Green County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tom Green County
Full Tom Green County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Grape Creek?
A $109,000 home in Grape Creek, Texas costs approximately $1,043 per month with 20% down at 6.66%. That is $560 principal and interest, $103 property tax, $72 homeowners insurance, $216 utilities and $91 set aside for maintenance.
What is the property tax rate in Grape Creek?
Grape Creek has an effective property tax rate of 1.139%, based on a median home value of $109,000 and median real estate taxes of $1,242. That is lower than the Tom Green County average of 1.351%.
What is the average home price in Grape Creek?
The median owner-occupied home value in Grape Creek, Texas is $109,000, against $186,700 across Tom Green County.
Is it cheaper to rent or buy in Grape Creek?
Median gross rent in Grape Creek is $1,096 a month, against $1,043 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 Grape Creek — 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.