Total monthly cost of ownership
Cost to Own a Home in Powderly, Texas
A $207,000 home here costs
$1,747per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,064. The real number is $683 higher every month — 64% 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.
Powderly against Lamar County and Texas
| Measure | Powderly | Lamar County |
|---|---|---|
| Median home value | $207,400 | $175,500 |
| Median property tax | $1,894 | $1,669 |
| Effective tax rate | 0.913% | 0.951% |
| Median gross rent | — | $897 |
| Population | 1,361 | 50,421 |
The weather behind that power bill
Powderly sits in Lamar County, which averages a high of 96.2°F in its hottest month and a low of 33.2°F in its coldest, with 48.88" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,652 cooling and 2,636 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Lamar County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lamar County
Common questions
How much does it cost to own a home in Powderly?
A $207,000 home in Powderly, Texas costs approximately $1,747 per month with 20% down at 6.66%. That is $1,064 principal and interest, $157 property tax, $137 homeowners insurance, $216 utilities and $173 set aside for maintenance.
What is the property tax rate in Powderly?
Powderly has an effective property tax rate of 0.913%, based on a median home value of $207,400 and median real estate taxes of $1,894. That is lower than the Lamar County average of 0.951%.
What is the average home price in Powderly?
The median owner-occupied home value in Powderly, Texas is $207,400, against $175,500 across Lamar County.
Is it cheaper to rent or buy in Powderly?
Rent data is not published for Powderly at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Powderly — 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.