Total monthly cost of ownership
Cost to Own a Home in Pecan Plantation, Texas
A $386,000 home here costs
$3,094per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,984. The real number is $1,109 higher every month — 56% 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.
Pecan Plantation against Johnson County and Texas
| Measure | Pecan Plantation | Johnson County |
|---|---|---|
| Median home value | $386,200 | $254,600 |
| Median property tax | $3,799 | $3,259 |
| Effective tax rate | 0.984% | 1.280% |
| Median gross rent | $2,117 | $1,343 |
| Population | 6,539 | 188,820 |
Pecan Plantation extends across 2 counties. Figures here use Johnson County, where most of its housing sits.
The weather behind that power bill
Pecan Plantation sits in Johnson County, which averages a high of 95.3°F in its hottest month and a low of 33.3°F in its coldest, with 37.69" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,484 cooling and 2,442 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Johnson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Johnson County
Common questions
How much does it cost to own a home in Pecan Plantation?
A $386,000 home in Pecan Plantation, Texas costs approximately $3,094 per month with 20% down at 6.66%. That is $1,984 principal and interest, $317 property tax, $255 homeowners insurance, $216 utilities and $322 set aside for maintenance.
What is the property tax rate in Pecan Plantation?
Pecan Plantation has an effective property tax rate of 0.984%, based on a median home value of $386,200 and median real estate taxes of $3,799. That is lower than the Johnson County average of 1.280%.
What is the average home price in Pecan Plantation?
The median owner-occupied home value in Pecan Plantation, Texas is $386,200, against $254,600 across Johnson County.
Is it cheaper to rent or buy in Pecan Plantation?
Median gross rent in Pecan Plantation is $2,117 a month, against $3,094 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 Pecan Plantation — 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.