Total monthly cost of ownership
Cost to Own a Home in Sealy, Texas
A $222,000 home here costs
$2,044per 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 $87,500 a year.
A standard mortgage calculator would have told you $1,210. The real number is $833 higher every month, 69% more than the payment most buyers budget for.
Compare Austin 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.
Sealy against Austin County and Texas
| Measure | Sealy | Austin County |
|---|---|---|
| Median home value | $222,200 | $270,900 |
| Median property tax | $3,112 | $3,464 |
| Effective tax rate | 1.401% | 1.279% |
| Median gross rent | $1,200 | $1,111 |
| Population | 6,933 | 30,712 |
The weather behind that power bill
Sealy sits in Austin County, which averages a high of 94.8°F in its hottest month and a low of 40.9°F in its coldest, with 43.9" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,956 cooling and 1,559 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Austin County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Austin County
Talk to someone who works this market
These are Sealy 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 Sealy every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Sealy?
A $222,000 home in Sealy, Texas costs approximately $2,044 per month with 20% down at 7.24%. That is $1,210 principal and interest, $259 property tax, $147 homeowners insurance, $242 utilities and $185 set aside for maintenance.
What is the property tax rate in Sealy?
Sealy has an effective property tax rate of 1.401%, based on a median home value of $222,200 and median real estate taxes of $3,112. That is higher than the Austin County average of 1.279%.
What is the average home price in Sealy?
The median owner-occupied home value in Sealy, Texas is $222,200, against $270,900 across Austin County.
Is it cheaper to rent or buy in Sealy?
Median gross rent in Sealy is $1,200 a month, against $2,044 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 Sealy?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Sealy, Texas at today's rate takes a household income of roughly $87,500 a year. That covers the full $2,044 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sealy, 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.