Total monthly cost of ownership
Cost to Own a Home in Hamshire, Texas
A $220,000 home here costs
$1,939per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,131. The real number is $808 higher every month — 71% 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.
Hamshire against Jefferson County and Texas
| Measure | Hamshire | Jefferson County |
|---|---|---|
| Median home value | $219,600 | $159,600 |
| Median property tax | $3,149 | $2,513 |
| Effective tax rate | 1.434% | 1.575% |
| Median gross rent | — | $1,079 |
| Population | 1,460 | 253,939 |
The weather behind that power bill
Hamshire sits in Jefferson County, which averages a high of 93.1°F in its hottest month and a low of 43.8°F in its coldest, with 62.13" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 3,075 cooling and 1,262 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Jefferson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Hamshire?
A $220,000 home in Hamshire, Texas costs approximately $1,939 per month with 20% down at 6.66%. That is $1,131 principal and interest, $263 property tax, $146 homeowners insurance, $216 utilities and $183 set aside for maintenance.
What is the property tax rate in Hamshire?
Hamshire has an effective property tax rate of 1.434%, based on a median home value of $219,600 and median real estate taxes of $3,149. That is lower than the Jefferson County average of 1.575%.
What is the average home price in Hamshire?
The median owner-occupied home value in Hamshire, Texas is $219,600, against $159,600 across Jefferson County.
Is it cheaper to rent or buy in Hamshire?
Rent data is not published for Hamshire at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Hamshire — 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.