Total monthly cost of ownership
Cost to Own a Home in Rotan, Texas
A $54,000 home here costs
$659per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $278. The real number is $381 higher every month — 137% 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.
Rotan against Fisher County and Texas
| Measure | Rotan | Fisher County |
|---|---|---|
| Median home value | $54,300 | $77,600 |
| Median property tax | $1,024 | $1,323 |
| Effective tax rate | 1.886% | 1.705% |
| Median gross rent | $622 | $629 |
| Population | 1,232 | 3,661 |
The weather behind that power bill
Rotan sits in Fisher County, which averages a high of 95.7°F in its hottest month and a low of 33.5°F in its coldest, with 23.54" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,696 cooling and 2,461 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Fisher County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fisher County
No other places of this size are published in Fisher County.
Common questions
How much does it cost to own a home in Rotan?
A $54,000 home in Rotan, Texas costs approximately $659 per month with 20% down at 6.66%. That is $278 principal and interest, $85 property tax, $36 homeowners insurance, $216 utilities and $45 set aside for maintenance.
What is the property tax rate in Rotan?
Rotan has an effective property tax rate of 1.886%, based on a median home value of $54,300 and median real estate taxes of $1,024. That is higher than the Fisher County average of 1.705%.
What is the average home price in Rotan?
The median owner-occupied home value in Rotan, Texas is $54,300, against $77,600 across Fisher County.
Is it cheaper to rent or buy in Rotan?
Median gross rent in Rotan is $622 a month, against $659 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 Rotan — 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.