Total monthly cost of ownership
Cost to Own a Home in Huntsville, Texas
A $226,000 home here costs
$2,054per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $88,000 a year.
A standard mortgage calculator would have told you $1,232. The real number is $822 higher every month, 67% more than the payment most buyers budget for.
Compare Walker County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Huntsville against Walker County and Texas
| Measure | Huntsville | Walker County |
|---|---|---|
| Median home value | $225,800 | $207,900 |
| Median property tax | $2,899 | $2,312 |
| Effective tax rate | 1.284% | 1.112% |
| Median gross rent | $981 | $986 |
| Population | 46,917 | 78,292 |
The weather behind that power bill
Huntsville sits in Walker County, which averages a high of 95.2°F in its hottest month and a low of 41.2°F in its coldest, with 43.65" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,014 cooling and 1,637 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Walker County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Walker County
Talk to someone who works this market
These are Huntsville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Huntsville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Huntsville I already own here and may sell
Common questions
How much does it cost to own a home in Huntsville?
A $226,000 home in Huntsville, Texas costs approximately $2,054 per month with 20% down at 7.24%. That is $1,232 principal and interest, $242 property tax, $150 homeowners insurance, $242 utilities and $188 set aside for maintenance.
What is the property tax rate in Huntsville?
Huntsville has an effective property tax rate of 1.284%, based on a median home value of $225,800 and median real estate taxes of $2,899. That is higher than the Walker County average of 1.112%.
What is the average home price in Huntsville?
The median owner-occupied home value in Huntsville, Texas is $225,800, against $207,900 across Walker County.
Is it cheaper to rent or buy in Huntsville?
Median gross rent in Huntsville is $981 a month, against $2,054 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Huntsville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Huntsville, Texas at today's rate takes a household income of roughly $88,000 a year. That covers the full $2,054 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Huntsville, 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.