Total monthly cost of ownership
Cost to Own a Home in Seadrift, Texas
A $116,000 home here costs
$1,046per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $596. The real number is $450 higher every month — 75% 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.
Seadrift against Calhoun County and Texas
| Measure | Seadrift | Calhoun County |
|---|---|---|
| Median home value | $115,900 | $150,000 |
| Median property tax | $726 | $2,095 |
| Effective tax rate | 0.626% | 1.397% |
| Median gross rent | $1,357 | $1,121 |
| Population | 1,664 | 19,921 |
The weather behind that power bill
Seadrift sits in Calhoun County, which averages a high of 91.9°F in its hottest month and a low of 41.7°F in its coldest, with 39.6" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 3,123 cooling and 1,191 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Calhoun County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Calhoun County
Common questions
How much does it cost to own a home in Seadrift?
A $116,000 home in Seadrift, Texas costs approximately $1,046 per month with 20% down at 6.66%. That is $596 principal and interest, $61 property tax, $77 homeowners insurance, $216 utilities and $97 set aside for maintenance.
What is the property tax rate in Seadrift?
Seadrift has an effective property tax rate of 0.626%, based on a median home value of $115,900 and median real estate taxes of $726. That is lower than the Calhoun County average of 1.397%.
What is the average home price in Seadrift?
The median owner-occupied home value in Seadrift, Texas is $115,900, against $150,000 across Calhoun County.
Is it cheaper to rent or buy in Seadrift?
Median gross rent in Seadrift is $1,357 a month, against $1,046 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 Seadrift — 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.