Total monthly cost of ownership
Cost to Own a Home in Post, Texas
A $53,000 home here costs
$660per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $272. The real number is $387 higher every month — 142% 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.
Post against Garza County and Texas
| Measure | Post | Garza County |
|---|---|---|
| Median home value | $53,000 | $79,300 |
| Median property tax | $1,107 | $1,316 |
| Effective tax rate | 2.089% | 1.660% |
| Median gross rent | $802 | $797 |
| Population | 4,552 | 5,435 |
The weather behind that power bill
Post sits in Garza County, which averages a high of 95.2°F in its hottest month and a low of 28.8°F in its coldest, with 22.09" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 2,165 cooling and 2,998 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Garza County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Garza County
No other places of this size are published in Garza County.
Common questions
How much does it cost to own a home in Post?
A $53,000 home in Post, Texas costs approximately $660 per month with 20% down at 6.66%. That is $272 principal and interest, $92 property tax, $35 homeowners insurance, $216 utilities and $44 set aside for maintenance.
What is the property tax rate in Post?
Post has an effective property tax rate of 2.089%, based on a median home value of $53,000 and median real estate taxes of $1,107. That is higher than the Garza County average of 1.660%.
What is the average home price in Post?
The median owner-occupied home value in Post, Texas is $53,000, against $79,300 across Garza County.
Is it cheaper to rent or buy in Post?
Median gross rent in Post is $802 a month, against $660 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Post — 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.