Total monthly cost of ownership
Cost to Own a Home in Roscoe, Texas
A $81,000 home here costs
$884per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $416. The real number is $468 higher every month — 112% 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.
Roscoe against Nolan County and Texas
| Measure | Roscoe | Nolan County |
|---|---|---|
| Median home value | $80,700 | $98,300 |
| Median property tax | $1,568 | $1,485 |
| Effective tax rate | 1.943% | 1.511% |
| Median gross rent | $1,042 | $866 |
| Population | 1,347 | 14,565 |
The weather behind that power bill
Roscoe sits in Nolan County, which averages a high of 95.0°F in its hottest month and a low of 29.3°F in its coldest, with 23.91" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 2,198 cooling and 2,644 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Nolan County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Nolan County
Common questions
How much does it cost to own a home in Roscoe?
A $81,000 home in Roscoe, Texas costs approximately $884 per month with 20% down at 6.66%. That is $416 principal and interest, $131 property tax, $54 homeowners insurance, $216 utilities and $68 set aside for maintenance.
What is the property tax rate in Roscoe?
Roscoe has an effective property tax rate of 1.943%, based on a median home value of $80,700 and median real estate taxes of $1,568. That is higher than the Nolan County average of 1.511%.
What is the average home price in Roscoe?
The median owner-occupied home value in Roscoe, Texas is $80,700, against $98,300 across Nolan County.
Is it cheaper to rent or buy in Roscoe?
Median gross rent in Roscoe is $1,042 a month, against $884 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 Roscoe — 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.