Total monthly cost of ownership
Cost to Own a Home in Pittsburg, Texas
A $131,000 home here costs
$1,288per 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 $55,000 a year.
A standard mortgage calculator would have told you $714. The real number is $574 higher every month, 80% more than the payment most buyers budget for.
Compare Camp County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Pittsburg from a five-year rolling sample, and with about 4,401 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Camp County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Pittsburg against Camp County and Texas
| Measure | Pittsburg | Camp County |
|---|---|---|
| Median home value | $130,600 | $159,900 |
| Median property tax | $1,621 | $1,703 |
| Effective tax rate | 1.241% | 1.065% |
| Median gross rent | $739 | $774 |
| Population | 4,401 | 12,652 |
The weather behind that power bill
Pittsburg sits in Camp County, which averages a high of 94.1°F in its hottest month and a low of 32.0°F in its coldest, with 48.57" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,237 cooling and 2,702 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Camp County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Camp County
No other places of this size are published in Camp County.
Talk to someone who works this market
These are Pittsburg 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 Pittsburg every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Pittsburg I already own here and may sell
Common questions
How much does it cost to own a home in Pittsburg?
A $131,000 home in Pittsburg, Texas costs approximately $1,288 per month with 20% down at 7.24%. That is $714 principal and interest, $135 property tax, $87 homeowners insurance, $242 utilities and $109 set aside for maintenance.
What is the property tax rate in Pittsburg?
Pittsburg has an effective property tax rate of 1.241%, based on a median home value of $130,600 and median real estate taxes of $1,621. That is higher than the Camp County average of 1.065%.
What is the average home price in Pittsburg?
The median owner-occupied home value in Pittsburg, Texas is $130,600, against $159,900 across Camp County.
Is it cheaper to rent or buy in Pittsburg?
Median gross rent in Pittsburg is $739 a month, against $1,288 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 Pittsburg?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Pittsburg, Texas at today's rate takes a household income of roughly $55,000 a year. That covers the full $1,288 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Pittsburg, 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.