Total monthly cost of ownership
Cost to Own a Home in Hughes Springs, Texas
A $139,000 home here costs
$1,248per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $715. The real number is $533 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.
Hughes Springs against Cass County and Texas
| Measure | Hughes Springs | Cass County |
|---|---|---|
| Median home value | $138,600 | $133,500 |
| Median property tax | $1,311 | $1,419 |
| Effective tax rate | 0.946% | 1.063% |
| Median gross rent | $833 | $821 |
| Population | 1,676 | 28,582 |
Hughes Springs extends across 2 counties. Figures here use Cass County, where most of its housing sits.
The weather behind that power bill
Hughes Springs sits in Cass County, which averages a high of 94.7°F in its hottest month and a low of 33.1°F in its coldest, with 50.28" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,348 cooling and 2,557 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Cass County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cass County
Common questions
How much does it cost to own a home in Hughes Springs?
A $139,000 home in Hughes Springs, Texas costs approximately $1,248 per month with 20% down at 6.66%. That is $715 principal and interest, $110 property tax, $92 homeowners insurance, $216 utilities and $116 set aside for maintenance.
What is the property tax rate in Hughes Springs?
Hughes Springs has an effective property tax rate of 0.946%, based on a median home value of $138,600 and median real estate taxes of $1,311. That is lower than the Cass County average of 1.063%.
What is the average home price in Hughes Springs?
The median owner-occupied home value in Hughes Springs, Texas is $138,600, against $133,500 across Cass County.
Is it cheaper to rent or buy in Hughes Springs?
Median gross rent in Hughes Springs is $833 a month, against $1,248 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 Hughes Springs — 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.