Total monthly cost of ownership
Cost to Own a Home in Sargent, Texas
A $169,000 home here costs
$1,490per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $869. The real number is $621 higher every month — 72% 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.
Sargent against Matagorda County and Texas
| Measure | Sargent | Matagorda County |
|---|---|---|
| Median home value | $169,200 | $162,200 |
| Median property tax | $1,837 | $2,035 |
| Effective tax rate | 1.086% | 1.255% |
| Median gross rent | — | $998 |
| Population | 1,332 | 36,274 |
The weather behind that power bill
Sargent sits in Matagorda County, which averages a high of 88.8°F in its hottest month and a low of 44.2°F in its coldest, with 44.46" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,820 cooling and 1,319 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Matagorda County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Matagorda County
Full Matagorda County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Sargent?
A $169,000 home in Sargent, Texas costs approximately $1,490 per month with 20% down at 6.66%. That is $869 principal and interest, $153 property tax, $112 homeowners insurance, $216 utilities and $141 set aside for maintenance.
What is the property tax rate in Sargent?
Sargent has an effective property tax rate of 1.086%, based on a median home value of $169,200 and median real estate taxes of $1,837. That is lower than the Matagorda County average of 1.255%.
What is the average home price in Sargent?
The median owner-occupied home value in Sargent, Texas is $169,200, against $162,200 across Matagorda County.
Is it cheaper to rent or buy in Sargent?
Rent data is not published for Sargent at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sargent — 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.