Total monthly cost of ownership
Cost to Own a Home in Sienna, Texas
A $441,000 home here costs
$4,140per 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 $177,500 a year.
A standard mortgage calculator would have told you $2,404. The real number is $1,736 higher every month, 72% more than the payment most buyers budget for.
Compare Fort Bend 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.
Sienna against Fort Bend County and Texas
| Measure | Sienna | Fort Bend County |
|---|---|---|
| Median home value | $440,600 | $350,300 |
| Median property tax | $10,001 | $6,965 |
| Effective tax rate | 2.270% | 1.988% |
| Median gross rent | $2,853 | $1,770 |
| Population | 25,025 | 859,721 |
The weather behind that power bill
Sienna sits in Fort Bend County, which averages a high of 95.0°F in its hottest month and a low of 45.3°F in its coldest, with 49.71" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,385 cooling and 1,148 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Fort Bend County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fort Bend County
Full Fort Bend County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Sienna 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 Sienna every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Sienna I already own here and may sell
Common questions
How much does it cost to own a home in Sienna?
A $441,000 home in Sienna, Texas costs approximately $4,140 per month with 20% down at 7.24%. That is $2,404 principal and interest, $834 property tax, $292 homeowners insurance, $242 utilities and $368 set aside for maintenance.
What is the property tax rate in Sienna?
Sienna has an effective property tax rate of 2.270%, based on a median home value of $440,600 and median real estate taxes of $10,001. That is higher than the Fort Bend County average of 1.988%.
What is the average home price in Sienna?
The median owner-occupied home value in Sienna, Texas is $440,600, against $350,300 across Fort Bend County.
Is it cheaper to rent or buy in Sienna?
Median gross rent in Sienna is $2,853 a month, against $4,140 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 Sienna?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Sienna, Texas at today's rate takes a household income of roughly $177,500 a year. That covers the full $4,140 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sienna, 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.