Total monthly cost of ownership
Cost to Own a Home in Pearsall, Texas
A $107,000 home here costs
$1,109per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $550. The real number is $559 higher every month — 102% 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.
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 $148 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
Common questions
How much does it cost to own a home in Pearsall?
A $107,000 home in Pearsall, Texas costs approximately $1,109 per month with 20% down at 6.66%. That is $550 principal and interest, $183 property tax, $71 homeowners insurance, $216 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 $1,109 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 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.