Total monthly cost of ownership
Cost to Own a Home in Oyster Creek, Texas
A $153,000 home here costs
$1,512per 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 $65,000 a year.
A standard mortgage calculator would have told you $834. The real number is $678 higher every month, 81% more than the payment most buyers budget for.
Compare Brazoria County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Oyster Creek from a five-year rolling sample, and with about 1,097 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Brazoria County figures are drawn from a far larger sample if you want a steadier number.
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 $174 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
Talk to someone who works this market
These are Oyster Creek 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 Oyster Creek every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Oyster Creek?
A $153,000 home in Oyster Creek, Texas costs approximately $1,512 per month with 20% down at 7.24%. That is $834 principal and interest, $207 property tax, $101 homeowners insurance, $242 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 $1,512 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 Oyster Creek?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Oyster Creek, Texas at today's rate takes a household income of roughly $65,000 a year. That covers the full $1,512 monthly cost, not just the mortgage payment.
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.