Total monthly cost of ownership
Cost to Own a Home in Moody, Texas
A $121,000 home here costs
$1,218per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $622. The real number is $596 higher every month — 96% 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.
Moody against McLennan County and Texas
| Measure | Moody | McLennan County |
|---|---|---|
| Median home value | $121,200 | $219,200 |
| Median property tax | $2,390 | $3,347 |
| Effective tax rate | 1.972% | 1.527% |
| Median gross rent | — | $1,106 |
| Population | 1,258 | 263,608 |
The weather behind that power bill
Moody sits in McLennan County, which averages a high of 97.1°F in its hottest month and a low of 35.8°F in its coldest, with 36.4" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,868 cooling and 2,080 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for McLennan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in McLennan County
Common questions
How much does it cost to own a home in Moody?
A $121,000 home in Moody, Texas costs approximately $1,218 per month with 20% down at 6.66%. That is $622 principal and interest, $199 property tax, $80 homeowners insurance, $216 utilities and $101 set aside for maintenance.
What is the property tax rate in Moody?
Moody has an effective property tax rate of 1.972%, based on a median home value of $121,200 and median real estate taxes of $2,390. That is higher than the McLennan County average of 1.527%.
What is the average home price in Moody?
The median owner-occupied home value in Moody, Texas is $121,200, against $219,200 across McLennan County.
Is it cheaper to rent or buy in Moody?
Rent data is not published for Moody at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Moody — 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.