Total monthly cost of ownership
Cost to Own a Home in Lamar, Texas
A $324,000 home here costs
$2,623per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,666. The real number is $957 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.
Lamar against Aransas County and Texas
| Measure | Lamar | Aransas County |
|---|---|---|
| Median home value | $323,700 | $236,800 |
| Median property tax | $3,085 | $2,401 |
| Effective tax rate | 0.953% | 1.014% |
| Median gross rent | — | $1,052 |
| Population | 1,282 | 24,449 |
The weather behind that power bill
Lamar sits in Aransas County, which averages a high of 92.4°F in its hottest month and a low of 48.9°F in its coldest, with 28.38" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,774 cooling and 826 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Aransas County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Aransas County
Common questions
How much does it cost to own a home in Lamar?
A $324,000 home in Lamar, Texas costs approximately $2,623 per month with 20% down at 6.66%. That is $1,666 principal and interest, $257 property tax, $214 homeowners insurance, $216 utilities and $270 set aside for maintenance.
What is the property tax rate in Lamar?
Lamar has an effective property tax rate of 0.953%, based on a median home value of $323,700 and median real estate taxes of $3,085. That is lower than the Aransas County average of 1.014%.
What is the average home price in Lamar?
The median owner-occupied home value in Lamar, Texas is $323,700, against $236,800 across Aransas County.
Is it cheaper to rent or buy in Lamar?
Rent data is not published for Lamar at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Lamar — 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.