Total monthly cost of ownership
Cost to Own a Home in Mont Belvieu, Texas
A $365,000 home here costs
$3,175per 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 $136,000 a year.
A standard mortgage calculator would have told you $1,990. The real number is $1,185 higher every month, 60% more than the payment most buyers budget for.
Compare Liberty County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Mont Belvieu against Liberty County and Texas
| Measure | Mont Belvieu | Liberty County |
|---|---|---|
| Median home value | $365,200 | $167,100 |
| Median property tax | $4,769 | $2,091 |
| Effective tax rate | 1.306% | 1.251% |
| Median gross rent | $1,642 | $1,038 |
| Population | 8,416 | 97,993 |
Mont Belvieu extends across 2 counties. Figures here use Liberty County, where most of its housing sits.
The weather behind that power bill
Mont Belvieu 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 $174 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
Talk to someone who works this market
These are Mont Belvieu 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 Mont Belvieu every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Mont Belvieu I already own here and may sell
Common questions
How much does it cost to own a home in Mont Belvieu?
A $365,000 home in Mont Belvieu, Texas costs approximately $3,175 per month with 20% down at 7.24%. That is $1,990 principal and interest, $397 property tax, $242 homeowners insurance, $242 utilities and $304 set aside for maintenance.
What is the property tax rate in Mont Belvieu?
Mont Belvieu has an effective property tax rate of 1.306%, based on a median home value of $365,200 and median real estate taxes of $4,769. That is higher than the Liberty County average of 1.251%.
What is the average home price in Mont Belvieu?
The median owner-occupied home value in Mont Belvieu, Texas is $365,200, against $167,100 across Liberty County.
Is it cheaper to rent or buy in Mont Belvieu?
Median gross rent in Mont Belvieu is $1,642 a month, against $3,175 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 Mont Belvieu?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Mont Belvieu, Texas at today's rate takes a household income of roughly $136,000 a year. That covers the full $3,175 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Mont Belvieu, 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.