Total monthly cost of ownership
Cost to Own a Home in Seis Lagos, Texas
A $636,000 home here costs
$5,489per 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 $235,000 a year.
A standard mortgage calculator would have told you $3,467. The real number is $2,021 higher every month, 58% more than the payment most buyers budget for.
Compare Collin County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Seis Lagos from a five-year rolling sample, and with about 1,160 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Collin County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Seis Lagos against Collin County and Texas
| Measure | Seis Lagos | Collin County |
|---|---|---|
| Median home value | $636,400 | $447,600 |
| Median property tax | $9,942 | $7,432 |
| Effective tax rate | 1.562% | 1.660% |
| Median gross rent | — | $1,792 |
| Population | 1,160 | 1,116,601 |
The weather behind that power bill
Seis Lagos sits in Collin County, which averages a high of 95.5°F in its hottest month and a low of 33.9°F in its coldest, with 38.3" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,531 cooling and 2,497 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Collin County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Collin County
Talk to someone who works this market
These are Seis Lagos 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 Seis Lagos 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 Seis Lagos?
A $636,000 home in Seis Lagos, Texas costs approximately $5,489 per month with 20% down at 7.24%. That is $3,467 principal and interest, $828 property tax, $421 homeowners insurance, $242 utilities and $530 set aside for maintenance.
What is the property tax rate in Seis Lagos?
Seis Lagos has an effective property tax rate of 1.562%, based on a median home value of $636,400 and median real estate taxes of $9,942. That is lower than the Collin County average of 1.660%.
What is the average home price in Seis Lagos?
The median owner-occupied home value in Seis Lagos, Texas is $636,400, against $447,600 across Collin County.
Is it cheaper to rent or buy in Seis Lagos?
Rent data is not published for Seis Lagos at this level of detail.
What salary do you need to buy a home in Seis Lagos?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Seis Lagos, Texas at today's rate takes a household income of roughly $235,000 a year. That covers the full $5,489 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Seis Lagos, 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.