Total monthly cost of ownership
Cost to Own a Home in Pinehurst, Texas
A $242,000 home here costs
$2,005per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,244. The real number is $761 higher every month — 61% 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 Montgomery County and Texas
| Measure | Pinehurst | Montgomery County |
|---|---|---|
| Median home value | $242,000 | $317,500 |
| Median property tax | $2,201 | $5,237 |
| Effective tax rate | 0.910% | 1.649% |
| Median gross rent | $1,026 | $1,471 |
| Population | 4,008 | 654,722 |
The weather behind that power bill
Pinehurst sits in Montgomery County, which averages a high of 95.8°F in its hottest month and a low of 41.9°F in its coldest, with 51.02" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 3,172 cooling and 1,440 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Montgomery County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Montgomery County
Full Montgomery County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Pinehurst?
A $242,000 home in Pinehurst, Texas costs approximately $2,005 per month with 20% down at 6.66%. That is $1,244 principal and interest, $184 property tax, $160 homeowners insurance, $216 utilities and $202 set aside for maintenance.
What is the property tax rate in Pinehurst?
Pinehurst has an effective property tax rate of 0.910%, based on a median home value of $242,000 and median real estate taxes of $2,201. That is lower than the Montgomery County average of 1.649%.
What is the average home price in Pinehurst?
The median owner-occupied home value in Pinehurst, Texas is $242,000, against $317,500 across Montgomery County.
Is it cheaper to rent or buy in Pinehurst?
Median gross rent in Pinehurst is $1,026 a month, against $2,005 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.