Total monthly cost of ownership
Cost to Own a Home in Queen City, Texas
A $124,000 home here costs
$1,163per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $637. The real number is $526 higher every month — 82% 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.
Queen City against Cass County and Texas
| Measure | Queen City | Cass County |
|---|---|---|
| Median home value | $124,000 | $133,500 |
| Median property tax | $1,497 | $1,419 |
| Effective tax rate | 1.207% | 1.063% |
| Median gross rent | $760 | $821 |
| Population | 1,403 | 28,582 |
The weather behind that power bill
Queen City sits in Cass County, which averages a high of 94.7°F in its hottest month and a low of 33.1°F in its coldest, with 50.28" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,348 cooling and 2,557 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Cass County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cass County
Common questions
How much does it cost to own a home in Queen City?
A $124,000 home in Queen City, Texas costs approximately $1,163 per month with 20% down at 6.66%. That is $637 principal and interest, $125 property tax, $82 homeowners insurance, $216 utilities and $103 set aside for maintenance.
What is the property tax rate in Queen City?
Queen City has an effective property tax rate of 1.207%, based on a median home value of $124,000 and median real estate taxes of $1,497. That is higher than the Cass County average of 1.063%.
What is the average home price in Queen City?
The median owner-occupied home value in Queen City, Texas is $124,000, against $133,500 across Cass County.
Is it cheaper to rent or buy in Queen City?
Median gross rent in Queen City is $760 a month, against $1,163 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 Queen City — 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.