Total monthly cost of ownership
Cost to Own a Home in Maud, Texas
A $97,000 home here costs
$971per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $499. The real number is $472 higher every month — 95% 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.
Maud against Bowie County and Texas
| Measure | Maud | Bowie County |
|---|---|---|
| Median home value | $96,800 | $161,300 |
| Median property tax | $1,335 | $2,091 |
| Effective tax rate | 1.379% | 1.296% |
| Median gross rent | $818 | $966 |
| Population | 1,152 | 92,321 |
The weather behind that power bill
Maud sits in Bowie County, which averages a high of 94.2°F in its hottest month and a low of 31.6°F in its coldest, with 52.82" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,115 cooling and 2,767 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Bowie County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bowie County
Common questions
How much does it cost to own a home in Maud?
A $97,000 home in Maud, Texas costs approximately $971 per month with 20% down at 6.66%. That is $499 principal and interest, $111 property tax, $64 homeowners insurance, $216 utilities and $81 set aside for maintenance.
What is the property tax rate in Maud?
Maud has an effective property tax rate of 1.379%, based on a median home value of $96,800 and median real estate taxes of $1,335. That is higher than the Bowie County average of 1.296%.
What is the average home price in Maud?
The median owner-occupied home value in Maud, Texas is $96,800, against $161,300 across Bowie County.
Is it cheaper to rent or buy in Maud?
Median gross rent in Maud is $818 a month, against $971 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 Maud — 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.