Total monthly cost of ownership
Cost to Own a Home in Port Neches, Texas
A $231,000 home here costs
$2,160per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $92,500 a year.
A standard mortgage calculator would have told you $1,280. The real number is $881 higher every month, 69% more than the payment most buyers budget for.
Compare Jefferson County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Port Neches against Jefferson County and Texas
| Measure | Port Neches | Jefferson County |
|---|---|---|
| Median home value | $231,000 | $159,600 |
| Median property tax | $3,518 | $2,513 |
| Effective tax rate | 1.523% | 1.575% |
| Median gross rent | $1,116 | $1,079 |
| Population | 13,627 | 253,939 |
The weather behind that power bill
Port Neches sits in Jefferson 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 $174 electricity line above.
See the full climate breakdown for Jefferson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jefferson County
Full Jefferson County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Port Neches 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 Port Neches every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Port Neches I already own here and may sell
Common questions
How much does it cost to own a home in Port Neches?
A $231,000 home in Port Neches, Texas costs approximately $2,160 per month with 20% down at 7.4%. That is $1,280 principal and interest, $293 property tax, $153 homeowners insurance, $242 utilities and $193 set aside for maintenance.
What is the property tax rate in Port Neches?
Port Neches has an effective property tax rate of 1.523%, based on a median home value of $231,000 and median real estate taxes of $3,518. That is lower than the Jefferson County average of 1.575%.
What is the average home price in Port Neches?
The median owner-occupied home value in Port Neches, Texas is $231,000, against $159,600 across Jefferson County.
Is it cheaper to rent or buy in Port Neches?
Median gross rent in Port Neches is $1,116 a month, against $2,160 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 Port Neches?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Port Neches, Texas at today's rate takes a household income of roughly $92,500 a year. That covers the full $2,160 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Port Neches, 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.