Total monthly cost of ownership
Cost to Own a Home in Liberty, Texas
A $127,000 home here costs
$1,259per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $653. The real number is $607 higher every month — 93% 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.
Liberty against Liberty County and Texas
| Measure | Liberty | Liberty County |
|---|---|---|
| Median home value | $127,200 | $167,100 |
| Median property tax | $2,414 | $2,091 |
| Effective tax rate | 1.898% | 1.251% |
| Median gross rent | $1,097 | $1,038 |
| Population | 8,491 | 97,993 |
The weather behind that power bill
Liberty sits in Liberty County, which averages a high of 94.2°F in its hottest month and a low of 41.2°F in its coldest, with 62.82" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,953 cooling and 1,434 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Liberty County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Liberty County
Common questions
How much does it cost to own a home in Liberty?
A $127,000 home in Liberty, Texas costs approximately $1,259 per month with 20% down at 6.66%. That is $653 principal and interest, $201 property tax, $84 homeowners insurance, $216 utilities and $106 set aside for maintenance.
What is the property tax rate in Liberty?
Liberty has an effective property tax rate of 1.898%, based on a median home value of $127,200 and median real estate taxes of $2,414. That is higher than the Liberty County average of 1.251%.
What is the average home price in Liberty?
The median owner-occupied home value in Liberty, Texas is $127,200, against $167,100 across Liberty County.
Is it cheaper to rent or buy in Liberty?
Median gross rent in Liberty is $1,097 a month, against $1,259 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 Liberty — 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.