Total monthly cost of ownership
Cost to Own a Home in Rockport, Texas
A $289,000 home here costs
$2,558per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $109,500 a year.
A standard mortgage calculator would have told you $1,576. The real number is $982 higher every month, 62% more than the payment most buyers budget for.
Compare Aransas 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.
Rockport against Aransas County and Texas
| Measure | Rockport | Aransas County |
|---|---|---|
| Median home value | $288,600 | $236,800 |
| Median property tax | $3,692 | $2,401 |
| Effective tax rate | 1.279% | 1.014% |
| Median gross rent | $1,306 | $1,052 |
| Population | 10,449 | 24,449 |
The weather behind that power bill
Rockport sits in Aransas County, which averages a high of 92.4°F in its hottest month and a low of 48.9°F in its coldest, with 28.38" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,774 cooling and 826 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Aransas County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Aransas County
Talk to someone who works this market
These are Rockport 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 Rockport every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Rockport I already own here and may sell
Common questions
How much does it cost to own a home in Rockport?
A $289,000 home in Rockport, Texas costs approximately $2,558 per month with 20% down at 7.24%. That is $1,576 principal and interest, $308 property tax, $191 homeowners insurance, $242 utilities and $241 set aside for maintenance.
What is the property tax rate in Rockport?
Rockport has an effective property tax rate of 1.279%, based on a median home value of $288,600 and median real estate taxes of $3,692. That is higher than the Aransas County average of 1.014%.
What is the average home price in Rockport?
The median owner-occupied home value in Rockport, Texas is $288,600, against $236,800 across Aransas County.
Is it cheaper to rent or buy in Rockport?
Median gross rent in Rockport is $1,306 a month, against $2,558 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 Rockport?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Rockport, Texas at today's rate takes a household income of roughly $109,500 a year. That covers the full $2,558 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Rockport, 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.