Total monthly cost of ownership
Cost to Own a Home in Shadybrook, Texas
A $227,000 home here costs
$1,881per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,167. The real number is $714 higher every month — 61% 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.
Shadybrook against Cherokee County and Texas
| Measure | Shadybrook | Cherokee County |
|---|---|---|
| Median home value | $226,900 | $160,300 |
| Median property tax | $1,908 | $1,941 |
| Effective tax rate | 0.841% | 1.211% |
| Median gross rent | $979 | $880 |
| Population | 2,649 | 51,143 |
The weather behind that power bill
Shadybrook sits in Cherokee County, which averages a high of 91.7°F in its hottest month and a low of 37.3°F in its coldest, with 50.12" of precipitation a year and 27% of it in a single three-month stretch. That climate drives 2,269 cooling and 2,269 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Cherokee County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cherokee County
Common questions
How much does it cost to own a home in Shadybrook?
A $227,000 home in Shadybrook, Texas costs approximately $1,881 per month with 20% down at 6.66%. That is $1,167 principal and interest, $159 property tax, $150 homeowners insurance, $216 utilities and $189 set aside for maintenance.
What is the property tax rate in Shadybrook?
Shadybrook has an effective property tax rate of 0.841%, based on a median home value of $226,900 and median real estate taxes of $1,908. That is lower than the Cherokee County average of 1.211%.
What is the average home price in Shadybrook?
The median owner-occupied home value in Shadybrook, Texas is $226,900, against $160,300 across Cherokee County.
Is it cheaper to rent or buy in Shadybrook?
Median gross rent in Shadybrook is $979 a month, against $1,881 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 Shadybrook — 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.