Total monthly cost of ownership
Cost to Own a Home in Nacogdoches, Texas
A $173,000 home here costs
$1,616per 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 $69,000 a year.
A standard mortgage calculator would have told you $943. The real number is $673 higher every month, 71% more than the payment most buyers budget for.
Compare Nacogdoches 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.
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 $174 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
Talk to someone who works this market
These are Nacogdoches 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 Nacogdoches every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Nacogdoches I already own here and may sell
Common questions
How much does it cost to own a home in Nacogdoches?
A $173,000 home in Nacogdoches, Texas costs approximately $1,616 per month with 20% down at 7.24%. That is $943 principal and interest, $172 property tax, $114 homeowners insurance, $242 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 $1,616 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 Nacogdoches?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Nacogdoches, Texas at today's rate takes a household income of roughly $69,000 a year. That covers the full $1,616 monthly cost, not just the mortgage payment.
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.