Total monthly cost of ownership
Cost to Own a Home in Little Cypress, Texas
A $176,000 home here costs
$1,649per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $70,500 a year.
A standard mortgage calculator would have told you $960. The real number is $690 higher every month, 72% more than the payment most buyers budget for.
Compare Orange County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Little Cypress from a five-year rolling sample, and with about 1,968 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 Orange 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.
Little Cypress against Orange County and Texas
| Measure | Little Cypress | Orange County |
|---|---|---|
| Median home value | $176,000 | $163,400 |
| Median property tax | $2,213 | $2,036 |
| Effective tax rate | 1.257% | 1.246% |
| Median gross rent | $1,042 | $1,018 |
| Population | 1,968 | 84,993 |
The weather behind that power bill
Little Cypress sits in Orange County, which averages a high of 93.1°F in its hottest month and a low of 43.8°F in its coldest, with 62.13" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 3,075 cooling and 1,262 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Orange County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Talk to someone who works this market
These are Little Cypress 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 Little Cypress every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Little Cypress I already own here and may sell
Common questions
How much does it cost to own a home in Little Cypress?
A $176,000 home in Little Cypress, Texas costs approximately $1,649 per month with 20% down at 7.24%. That is $960 principal and interest, $184 property tax, $116 homeowners insurance, $242 utilities and $147 set aside for maintenance.
What is the property tax rate in Little Cypress?
Little Cypress has an effective property tax rate of 1.257%, based on a median home value of $176,000 and median real estate taxes of $2,213. That is higher than the Orange County average of 1.246%.
What is the average home price in Little Cypress?
The median owner-occupied home value in Little Cypress, Texas is $176,000, against $163,400 across Orange County.
Is it cheaper to rent or buy in Little Cypress?
Median gross rent in Little Cypress is $1,042 a month, against $1,649 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Little Cypress?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Little Cypress, Texas at today's rate takes a household income of roughly $70,500 a year. That covers the full $1,649 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Little Cypress, 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.