Total monthly cost of ownership
Cost to Own a Home in Oyster Creek, Texas
A $153,000 home here costs
$1,438per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $787. The real number is $651 higher every month — 83% 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.
Oyster Creek against Brazoria County and Texas
| Measure | Oyster Creek | Brazoria County |
|---|---|---|
| Median home value | $153,300 | $276,800 |
| Median property tax | $2,485 | $4,831 |
| Effective tax rate | 1.621% | 1.745% |
| Median gross rent | $1,040 | $1,410 |
| Population | 1,097 | 381,650 |
The weather behind that power bill
Oyster Creek sits in Brazoria County, which averages a high of 91.6°F in its hottest month and a low of 46.8°F in its coldest, with 53.37" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 3,213 cooling and 1,044 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Brazoria County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Brazoria County
Common questions
How much does it cost to own a home in Oyster Creek?
A $153,000 home in Oyster Creek, Texas costs approximately $1,438 per month with 20% down at 6.66%. That is $787 principal and interest, $207 property tax, $101 homeowners insurance, $216 utilities and $128 set aside for maintenance.
What is the property tax rate in Oyster Creek?
Oyster Creek has an effective property tax rate of 1.621%, based on a median home value of $153,300 and median real estate taxes of $2,485. That is lower than the Brazoria County average of 1.745%.
What is the average home price in Oyster Creek?
The median owner-occupied home value in Oyster Creek, Texas is $153,300, against $276,800 across Brazoria County.
Is it cheaper to rent or buy in Oyster Creek?
Median gross rent in Oyster Creek is $1,040 a month, against $1,438 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 Oyster Creek — 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.