Total monthly cost of ownership
Cost to Own a Home in Hallsville, Texas
A $195,000 home here costs
$1,760per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,002. The real number is $757 higher every month — 76% 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.
Hallsville against Harrison County and Texas
| Measure | Hallsville | Harrison County |
|---|---|---|
| Median home value | $194,600 | $178,200 |
| Median property tax | $2,994 | $1,811 |
| Effective tax rate | 1.539% | 1.016% |
| Median gross rent | $1,220 | $977 |
| Population | 4,496 | 69,584 |
The weather behind that power bill
Hallsville sits in Harrison County, which averages a high of 94.2°F in its hottest month and a low of 33.1°F in its coldest, with 51.34" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,281 cooling and 2,498 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Harrison County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Harrison County
Common questions
How much does it cost to own a home in Hallsville?
A $195,000 home in Hallsville, Texas costs approximately $1,760 per month with 20% down at 6.66%. That is $1,002 principal and interest, $250 property tax, $129 homeowners insurance, $216 utilities and $163 set aside for maintenance.
What is the property tax rate in Hallsville?
Hallsville has an effective property tax rate of 1.539%, based on a median home value of $194,600 and median real estate taxes of $2,994. That is higher than the Harrison County average of 1.016%.
What is the average home price in Hallsville?
The median owner-occupied home value in Hallsville, Texas is $194,600, against $178,200 across Harrison County.
Is it cheaper to rent or buy in Hallsville?
Median gross rent in Hallsville is $1,220 a month, against $1,760 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 Hallsville — 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.