Total monthly cost of ownership
Cost to Own a Home in Seymour, Texas
A $90,000 home here costs
$914per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $463. The real number is $451 higher every month — 97% 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.
Seymour against Baylor County and Texas
| Measure | Seymour | Baylor County |
|---|---|---|
| Median home value | $90,000 | $93,300 |
| Median property tax | $1,206 | $1,163 |
| Effective tax rate | 1.340% | 1.247% |
| Median gross rent | $822 | $685 |
| Population | 2,607 | 3,464 |
The weather behind that power bill
Seymour sits in Baylor County, which averages a high of 97.4°F in its hottest month and a low of 28.4°F in its coldest, with 28.99" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,384 cooling and 3,040 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Baylor County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Baylor County
No other places of this size are published in Baylor County.
Common questions
How much does it cost to own a home in Seymour?
A $90,000 home in Seymour, Texas costs approximately $914 per month with 20% down at 6.66%. That is $463 principal and interest, $101 property tax, $60 homeowners insurance, $216 utilities and $75 set aside for maintenance.
What is the property tax rate in Seymour?
Seymour has an effective property tax rate of 1.340%, based on a median home value of $90,000 and median real estate taxes of $1,206. That is higher than the Baylor County average of 1.247%.
What is the average home price in Seymour?
The median owner-occupied home value in Seymour, Texas is $90,000, against $93,300 across Baylor County.
Is it cheaper to rent or buy in Seymour?
Median gross rent in Seymour is $822 a month, against $914 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Seymour — 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.