Total monthly cost of ownership
Cost to Own a Home in Hearne, Texas
A $90,000 home here costs
$914per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $463. The real number is $452 higher every month — 98% 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.
Hearne against Robertson County and Texas
| Measure | Hearne | Robertson County |
|---|---|---|
| Median home value | $90,200 | $172,700 |
| Median property tax | $1,219 | $1,583 |
| Effective tax rate | 1.351% | 0.917% |
| Median gross rent | $639 | $773 |
| Population | 4,529 | 16,973 |
The weather behind that power bill
Hearne sits in Robertson County, which averages a high of 95.8°F in its hottest month and a low of 39.4°F in its coldest, with 40.61" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,864 cooling and 1,764 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Robertson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Robertson County
Full Robertson County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Hearne?
A $90,000 home in Hearne, Texas costs approximately $914 per month with 20% down at 6.66%. That is $463 principal and interest, $101 property tax, $60 homeowners insurance, $216 utilities and $75 set aside for maintenance.
What is the property tax rate in Hearne?
Hearne has an effective property tax rate of 1.351%, based on a median home value of $90,200 and median real estate taxes of $1,219. That is higher than the Robertson County average of 0.917%.
What is the average home price in Hearne?
The median owner-occupied home value in Hearne, Texas is $90,200, against $172,700 across Robertson County.
Is it cheaper to rent or buy in Hearne?
Median gross rent in Hearne is $639 a month, against $914 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 Hearne — 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.