Total monthly cost of ownership
Cost to Own a Home in Kirbyville, Texas
A $89,000 home here costs
$902per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $458. The real number is $445 higher every month — 97% 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.
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 $148 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
Common questions
How much does it cost to own a home in Kirbyville?
A $89,000 home in Kirbyville, Texas costs approximately $902 per month with 20% down at 6.66%. That is $458 principal and interest, $96 property tax, $59 homeowners insurance, $216 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 $902 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 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.