Total monthly cost of ownership
Cost to Own a Home in Los Fresnos, Texas
A $123,000 home here costs
$1,246per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $632. The real number is $613 higher every month — 97% 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.
Los Fresnos against Cameron County and Texas
| Measure | Los Fresnos | Cameron County |
|---|---|---|
| Median home value | $123,300 | $120,000 |
| Median property tax | $2,572 | $1,946 |
| Effective tax rate | 2.086% | 1.622% |
| Median gross rent | $876 | $899 |
| Population | 8,174 | 423,192 |
The weather behind that power bill
Los Fresnos sits in Cameron County, which averages a high of 93.4°F in its hottest month and a low of 51.9°F in its coldest, with 23.25" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 4,140 cooling and 527 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Cameron County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cameron County
Common questions
How much does it cost to own a home in Los Fresnos?
A $123,000 home in Los Fresnos, Texas costs approximately $1,246 per month with 20% down at 6.66%. That is $632 principal and interest, $214 property tax, $81 homeowners insurance, $216 utilities and $103 set aside for maintenance.
What is the property tax rate in Los Fresnos?
Los Fresnos has an effective property tax rate of 2.086%, based on a median home value of $123,300 and median real estate taxes of $2,572. That is higher than the Cameron County average of 1.622%.
What is the average home price in Los Fresnos?
The median owner-occupied home value in Los Fresnos, Texas is $123,300, against $120,000 across Cameron County.
Is it cheaper to rent or buy in Los Fresnos?
Median gross rent in Los Fresnos is $876 a month, against $1,246 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 Los Fresnos — 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.