Total monthly cost of ownership
Cost to Own a Home in McCamey, Texas
A $98,000 home here costs
$952per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $504. The real number is $449 higher every month — 89% 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.
McCamey against Upton County and Texas
| Measure | McCamey | Upton County |
|---|---|---|
| Median home value | $98,200 | $106,300 |
| Median property tax | $1,038 | $1,197 |
| Effective tax rate | 1.057% | 1.126% |
| Median gross rent | — | $689 |
| Population | 1,550 | 3,227 |
The weather behind that power bill
McCamey sits in Upton County, which averages a high of 96.3°F in its hottest month and a low of 32.8°F in its coldest, with 14.82" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 2,855 cooling and 2,118 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Upton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Upton County
Common questions
How much does it cost to own a home in McCamey?
A $98,000 home in McCamey, Texas costs approximately $952 per month with 20% down at 6.66%. That is $504 principal and interest, $86 property tax, $65 homeowners insurance, $216 utilities and $82 set aside for maintenance.
What is the property tax rate in McCamey?
McCamey has an effective property tax rate of 1.057%, based on a median home value of $98,200 and median real estate taxes of $1,038. That is lower than the Upton County average of 1.126%.
What is the average home price in McCamey?
The median owner-occupied home value in McCamey, Texas is $98,200, against $106,300 across Upton County.
Is it cheaper to rent or buy in McCamey?
Rent data is not published for McCamey at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for McCamey — 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.