Total monthly cost of ownership
Cost to Own a Home in Rogers, Texas
A $85,000 home here costs
$887per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $450 higher every month — 103% 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.
Rogers against Bell County and Texas
| Measure | Rogers | Bell County |
|---|---|---|
| Median home value | $84,600 | $221,100 |
| Median property tax | $1,278 | $3,409 |
| Effective tax rate | 1.511% | 1.542% |
| Median gross rent | $829 | $1,168 |
| Population | 1,450 | 379,811 |
The weather behind that power bill
Rogers sits in Bell County, which averages a high of 96.0°F in its hottest month and a low of 35.7°F in its coldest, with 36.97" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,630 cooling and 2,032 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Bell County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bell County
Common questions
How much does it cost to own a home in Rogers?
A $85,000 home in Rogers, Texas costs approximately $887 per month with 20% down at 6.66%. That is $437 principal and interest, $107 property tax, $56 homeowners insurance, $216 utilities and $71 set aside for maintenance.
What is the property tax rate in Rogers?
Rogers has an effective property tax rate of 1.511%, based on a median home value of $84,600 and median real estate taxes of $1,278. That is lower than the Bell County average of 1.542%.
What is the average home price in Rogers?
The median owner-occupied home value in Rogers, Texas is $84,600, against $221,100 across Bell County.
Is it cheaper to rent or buy in Rogers?
Median gross rent in Rogers is $829 a month, against $887 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 Rogers — 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.