Total monthly cost of ownership
Cost to Own a Home in Lake Bryan, Texas
A $232,000 home here costs
$1,992per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $85,500 a year.
A standard mortgage calculator would have told you $1,285. The real number is $707 higher every month, 55% more than the payment most buyers budget for.
Compare Brazos County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Lake Bryan from a five-year rolling sample, and with about 1,880 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 Brazos 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.
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 $174 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
Talk to someone who works this market
These are Lake Bryan 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 Lake Bryan every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Lake Bryan I already own here and may sell
Common questions
How much does it cost to own a home in Lake Bryan?
A $232,000 home in Lake Bryan, Texas costs approximately $1,992 per month with 20% down at 7.4%. That is $1,285 principal and interest, $119 property tax, $154 homeowners insurance, $242 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.
What salary do you need to buy a home in Lake Bryan?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Lake Bryan, Texas at today's rate takes a household income of roughly $85,500 a year. That covers the full $1,992 monthly cost, not just the mortgage payment.
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.