Total monthly cost of ownership
Cost to Own a Home in Lake Bryan, Texas
A $232,000 home here costs
$1,874per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,193. The real number is $681 higher every month — 57% 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.
Lake Bryan against Brazos County and Texas
| Measure | Lake Bryan | Brazos County |
|---|---|---|
| Median home value | $232,300 | $279,700 |
| Median property tax | $1,424 | $4,580 |
| Effective tax rate | 0.613% | 1.637% |
| Median gross rent | — | $1,160 |
| Population | 1,880 | 237,980 |
The weather behind that power bill
Lake Bryan sits in Brazos County, which averages a high of 96.6°F in its hottest month and a low of 41.3°F in its coldest, with 41.75" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,169 cooling and 1,545 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Brazos County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brazos County
Common questions
How much does it cost to own a home in Lake Bryan?
A $232,000 home in Lake Bryan, Texas costs approximately $1,874 per month with 20% down at 6.66%. That is $1,193 principal and interest, $119 property tax, $154 homeowners insurance, $216 utilities and $193 set aside for maintenance.
What is the property tax rate in Lake Bryan?
Lake Bryan has an effective property tax rate of 0.613%, based on a median home value of $232,300 and median real estate taxes of $1,424. That is lower than the Brazos County average of 1.637%.
What is the average home price in Lake Bryan?
The median owner-occupied home value in Lake Bryan, Texas is $232,300, against $279,700 across Brazos County.
Is it cheaper to rent or buy in Lake Bryan?
Rent data is not published for Lake Bryan at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Lake Bryan — 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.