Total monthly cost of ownership
Cost to Own a Home in Haltom City, Texas
A $195,000 home here costs
$1,750per 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 $747 higher every month — 75% 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.
Haltom City against Tarrant County and Texas
| Measure | Haltom City | Tarrant County |
|---|---|---|
| Median home value | $194,600 | $294,100 |
| Median property tax | $2,870 | $5,211 |
| Effective tax rate | 1.475% | 1.772% |
| Median gross rent | $1,329 | $1,447 |
| Population | 45,681 | 2,135,743 |
The weather behind that power bill
Haltom City sits in Tarrant County, which averages a high of 97.1°F in its hottest month and a low of 37.9°F in its coldest, with 38.32" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 3,125 cooling and 1,992 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Tarrant County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Tarrant County
Common questions
How much does it cost to own a home in Haltom City?
A $195,000 home in Haltom City, Texas costs approximately $1,750 per month with 20% down at 6.66%. That is $1,002 principal and interest, $240 property tax, $129 homeowners insurance, $216 utilities and $163 set aside for maintenance.
What is the property tax rate in Haltom City?
Haltom City has an effective property tax rate of 1.475%, based on a median home value of $194,600 and median real estate taxes of $2,870. That is lower than the Tarrant County average of 1.772%.
What is the average home price in Haltom City?
The median owner-occupied home value in Haltom City, Texas is $194,600, against $294,100 across Tarrant County.
Is it cheaper to rent or buy in Haltom City?
Median gross rent in Haltom City is $1,329 a month, against $1,750 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 Haltom City — 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.