Total monthly cost of ownership
Cost to Own a Home in Harper, Texas
A $349,000 home here costs
$2,742per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,794. The real number is $948 higher every month — 53% 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.
Harper against Gillespie County and Texas
| Measure | Harper | Gillespie County |
|---|---|---|
| Median home value | $348,900 | $432,300 |
| Median property tax | $2,526 | $4,404 |
| Effective tax rate | 0.724% | 1.019% |
| Median gross rent | — | $1,331 |
| Population | 1,199 | 27,202 |
The weather behind that power bill
Harper sits in Gillespie County, which averages a high of 94.2°F in its hottest month and a low of 34.2°F in its coldest, with 30.56" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,382 cooling and 2,163 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Gillespie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Gillespie County
Full Gillespie County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Harper?
A $349,000 home in Harper, Texas costs approximately $2,742 per month with 20% down at 6.66%. That is $1,794 principal and interest, $211 property tax, $231 homeowners insurance, $216 utilities and $291 set aside for maintenance.
What is the property tax rate in Harper?
Harper has an effective property tax rate of 0.724%, based on a median home value of $348,900 and median real estate taxes of $2,526. That is lower than the Gillespie County average of 1.019%.
What is the average home price in Harper?
The median owner-occupied home value in Harper, Texas is $348,900, against $432,300 across Gillespie County.
Is it cheaper to rent or buy in Harper?
Rent data is not published for Harper at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Harper — 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.