Total monthly cost of ownership
Cost to Own a Home in Seagoville, Texas
A $221,000 home here costs
$2,068per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $88,500 a year.
A standard mortgage calculator would have told you $1,205. The real number is $863 higher every month, 72% more than the payment most buyers budget for.
Compare Dallas County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Seagoville against Dallas County and Texas
| Measure | Seagoville | Dallas County |
|---|---|---|
| Median home value | $221,300 | $277,900 |
| Median property tax | $3,493 | $4,668 |
| Effective tax rate | 1.578% | 1.680% |
| Median gross rent | $1,152 | $1,469 |
| Population | 18,968 | 2,603,816 |
Seagoville extends across 2 counties. Figures here use Dallas County, where most of its housing sits.
The weather behind that power bill
Seagoville sits in Dallas County, which averages a high of 97.1°F in its hottest month and a low of 37.9°F in its coldest, with 38.32" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 3,125 cooling and 1,992 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Dallas County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Dallas County
Talk to someone who works this market
These are Seagoville averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Seagoville every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Seagoville?
A $221,000 home in Seagoville, Texas costs approximately $2,068 per month with 20% down at 7.24%. That is $1,205 principal and interest, $291 property tax, $146 homeowners insurance, $242 utilities and $184 set aside for maintenance.
What is the property tax rate in Seagoville?
Seagoville has an effective property tax rate of 1.578%, based on a median home value of $221,300 and median real estate taxes of $3,493. That is lower than the Dallas County average of 1.680%.
What is the average home price in Seagoville?
The median owner-occupied home value in Seagoville, Texas is $221,300, against $277,900 across Dallas County.
Is it cheaper to rent or buy in Seagoville?
Median gross rent in Seagoville is $1,152 a month, against $2,068 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Seagoville?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Seagoville, Texas at today's rate takes a household income of roughly $88,500 a year. That covers the full $2,068 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Seagoville, 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.