Total monthly cost of ownership
Cost to Own a Home in Nacogdoches, Texas
A $173,000 home here costs
$1,535per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $889. The real number is $646 higher every month — 73% 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.
Nacogdoches against Nacogdoches County and Texas
| Measure | Nacogdoches | Nacogdoches County |
|---|---|---|
| Median home value | $173,200 | $158,200 |
| Median property tax | $2,061 | $1,464 |
| Effective tax rate | 1.190% | 0.925% |
| Median gross rent | $921 | $923 |
| Population | 32,104 | 64,897 |
The weather behind that power bill
Nacogdoches sits in Nacogdoches County, which averages a high of 93.3°F in its hottest month and a low of 36.4°F in its coldest, with 49.94" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 2,521 cooling and 2,213 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Nacogdoches County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Nacogdoches County
Full Nacogdoches County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Nacogdoches?
A $173,000 home in Nacogdoches, Texas costs approximately $1,535 per month with 20% down at 6.66%. That is $889 principal and interest, $172 property tax, $114 homeowners insurance, $216 utilities and $144 set aside for maintenance.
What is the property tax rate in Nacogdoches?
Nacogdoches has an effective property tax rate of 1.190%, based on a median home value of $173,200 and median real estate taxes of $2,061. That is higher than the Nacogdoches County average of 0.925%.
What is the average home price in Nacogdoches?
The median owner-occupied home value in Nacogdoches, Texas is $173,200, against $158,200 across Nacogdoches County.
Is it cheaper to rent or buy in Nacogdoches?
Median gross rent in Nacogdoches is $921 a month, against $1,535 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 Nacogdoches — 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.