Total monthly cost of ownership
Cost to Own a Home in Port Aransas, Texas
A $490,000 home here costs
$3,831per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,519. The real number is $1,312 higher every month — 52% 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.
Port Aransas against Nueces County and Texas
| Measure | Port Aransas | Nueces County |
|---|---|---|
| Median home value | $490,200 | $194,700 |
| Median property tax | $4,366 | $3,268 |
| Effective tax rate | 0.891% | 1.678% |
| Median gross rent | $2,226 | $1,224 |
| Population | 3,141 | 352,829 |
The weather behind that power bill
Port Aransas sits in Nueces County, which averages a high of 95.0°F in its hottest month and a low of 48.0°F in its coldest, with 31.74" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 3,737 cooling and 801 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Nueces County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Nueces County
Common questions
How much does it cost to own a home in Port Aransas?
A $490,000 home in Port Aransas, Texas costs approximately $3,831 per month with 20% down at 6.66%. That is $2,519 principal and interest, $364 property tax, $324 homeowners insurance, $216 utilities and $408 set aside for maintenance.
What is the property tax rate in Port Aransas?
Port Aransas has an effective property tax rate of 0.891%, based on a median home value of $490,200 and median real estate taxes of $4,366. That is lower than the Nueces County average of 1.678%.
What is the average home price in Port Aransas?
The median owner-occupied home value in Port Aransas, Texas is $490,200, against $194,700 across Nueces County.
Is it cheaper to rent or buy in Port Aransas?
Median gross rent in Port Aransas is $2,226 a month, against $3,831 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 Port Aransas — 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.