Total monthly cost of ownership
Cost to Own a Home in Pinehurst, Texas
A $143,000 home here costs
$1,314per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $735. The real number is $579 higher every month — 79% 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.
Pinehurst against Orange County and Texas
| Measure | Pinehurst | Orange County |
|---|---|---|
| Median home value | $142,900 | $163,400 |
| Median property tax | $1,795 | $2,036 |
| Effective tax rate | 1.256% | 1.246% |
| Median gross rent | $931 | $1,018 |
| Population | 2,213 | 84,993 |
The weather behind that power bill
Pinehurst sits in Orange County, which averages a high of 93.1°F in its hottest month and a low of 43.8°F in its coldest, with 62.13" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 3,075 cooling and 1,262 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Orange County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Orange County
Common questions
How much does it cost to own a home in Pinehurst?
A $143,000 home in Pinehurst, Texas costs approximately $1,314 per month with 20% down at 6.66%. That is $735 principal and interest, $150 property tax, $95 homeowners insurance, $216 utilities and $119 set aside for maintenance.
What is the property tax rate in Pinehurst?
Pinehurst has an effective property tax rate of 1.256%, based on a median home value of $142,900 and median real estate taxes of $1,795. That is higher than the Orange County average of 1.246%.
What is the average home price in Pinehurst?
The median owner-occupied home value in Pinehurst, Texas is $142,900, against $163,400 across Orange County.
Is it cheaper to rent or buy in Pinehurst?
Median gross rent in Pinehurst is $931 a month, against $1,314 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 Pinehurst — 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.