Total monthly cost of ownership
Cost to Own a Home in Pearsall, Texas
A $107,000 home here costs
$1,169per 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 $50,000 a year.
A standard mortgage calculator would have told you $583. The real number is $585 higher every month, 100% more than the payment most buyers budget for.
Compare Frio 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.
Pearsall against Frio County and Texas
| Measure | Pearsall | Frio County |
|---|---|---|
| Median home value | $107,300 | $110,100 |
| Median property tax | $2,202 | $1,751 |
| Effective tax rate | 2.052% | 1.590% |
| Median gross rent | $1,012 | $1,006 |
| Population | 8,841 | 18,019 |
The weather behind that power bill
Pearsall sits in Frio County, which averages a high of 97.8°F in its hottest month and a low of 41.7°F in its coldest, with 25.01" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 3,456 cooling and 1,243 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Frio County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Frio County
Talk to someone who works this market
These are Pearsall 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 Pearsall every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pearsall I already own here and may sell
Common questions
How much does it cost to own a home in Pearsall?
A $107,000 home in Pearsall, Texas costs approximately $1,169 per month with 20% down at 7.24%. That is $583 principal and interest, $183 property tax, $71 homeowners insurance, $242 utilities and $89 set aside for maintenance.
What is the property tax rate in Pearsall?
Pearsall has an effective property tax rate of 2.052%, based on a median home value of $107,300 and median real estate taxes of $2,202. That is higher than the Frio County average of 1.590%.
What is the average home price in Pearsall?
The median owner-occupied home value in Pearsall, Texas is $107,300, against $110,100 across Frio County.
Is it cheaper to rent or buy in Pearsall?
Median gross rent in Pearsall is $1,012 a month, against $1,169 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 Pearsall?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pearsall, Texas at today's rate takes a household income of roughly $50,000 a year. That covers the full $1,169 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pearsall, 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.