Total monthly cost of ownership
Cost to Own a Home in Kirbyville, Texas
A $89,000 home here costs
$957per 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 $41,000 a year.
A standard mortgage calculator would have told you $485. The real number is $471 higher every month, 97% more than the payment most buyers budget for.
Compare Jasper County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Kirbyville from a five-year rolling sample, and with about 2,027 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Jasper County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Kirbyville against Jasper County and Texas
| Measure | Kirbyville | Jasper County |
|---|---|---|
| Median home value | $88,800 | $125,900 |
| Median property tax | $1,148 | $1,304 |
| Effective tax rate | 1.293% | 1.036% |
| Median gross rent | $585 | $790 |
| Population | 2,027 | 32,807 |
The weather behind that power bill
Kirbyville sits in Jasper County, which averages a high of 91.9°F in its hottest month and a low of 37.8°F in its coldest, with 59.1" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 2,410 cooling and 1,916 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Jasper County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jasper County
Talk to someone who works this market
These are Kirbyville 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 Kirbyville every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Kirbyville I already own here and may sell
Common questions
How much does it cost to own a home in Kirbyville?
A $89,000 home in Kirbyville, Texas costs approximately $957 per month with 20% down at 7.24%. That is $485 principal and interest, $96 property tax, $59 homeowners insurance, $242 utilities and $74 set aside for maintenance.
What is the property tax rate in Kirbyville?
Kirbyville has an effective property tax rate of 1.293%, based on a median home value of $88,800 and median real estate taxes of $1,148. That is higher than the Jasper County average of 1.036%.
What is the average home price in Kirbyville?
The median owner-occupied home value in Kirbyville, Texas is $88,800, against $125,900 across Jasper County.
Is it cheaper to rent or buy in Kirbyville?
Median gross rent in Kirbyville is $585 a month, against $957 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 Kirbyville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Kirbyville, Texas at today's rate takes a household income of roughly $41,000 a year. That covers the full $957 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Kirbyville, 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.