Total monthly cost of ownership
Cost to Own a Home in Kempner, Texas
A $197,000 home here costs
$1,749per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,013. The real number is $736 higher every month — 73% 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.
Kempner against Lampasas County and Texas
| Measure | Kempner | Lampasas County |
|---|---|---|
| Median home value | $196,900 | $236,000 |
| Median property tax | $2,705 | $2,993 |
| Effective tax rate | 1.374% | 1.268% |
| Median gross rent | $1,067 | $961 |
| Population | 1,242 | 22,267 |
The weather behind that power bill
Kempner sits in Lampasas County, which averages a high of 96.7°F in its hottest month and a low of 33.7°F in its coldest, with 32.17" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,622 cooling and 2,212 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Lampasas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lampasas County
Common questions
How much does it cost to own a home in Kempner?
A $197,000 home in Kempner, Texas costs approximately $1,749 per month with 20% down at 6.66%. That is $1,013 principal and interest, $226 property tax, $130 homeowners insurance, $216 utilities and $164 set aside for maintenance.
What is the property tax rate in Kempner?
Kempner has an effective property tax rate of 1.374%, based on a median home value of $196,900 and median real estate taxes of $2,705. That is higher than the Lampasas County average of 1.268%.
What is the average home price in Kempner?
The median owner-occupied home value in Kempner, Texas is $196,900, against $236,000 across Lampasas County.
Is it cheaper to rent or buy in Kempner?
Median gross rent in Kempner is $1,067 a month, against $1,749 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 Kempner — 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.