Total monthly cost of ownership
Cost to Own a Home in Stamford, Texas
A $62,000 home here costs
$734per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $319. The real number is $415 higher every month — 130% 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.
Stamford against Jones County and Texas
| Measure | Stamford | Jones County |
|---|---|---|
| Median home value | $62,400 | $92,700 |
| Median property tax | $1,286 | $1,425 |
| Effective tax rate | 2.061% | 1.537% |
| Median gross rent | $1,033 | $938 |
| Population | 2,902 | 19,968 |
Stamford extends across 2 counties. Figures here use Jones County, where most of its housing sits.
The weather behind that power bill
Stamford sits in Jones County, which averages a high of 95.6°F in its hottest month and a low of 29.4°F in its coldest, with 25.43" of precipitation a year and 37% of it in a single three-month stretch. That climate drives 2,374 cooling and 2,794 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Jones County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jones County
Common questions
How much does it cost to own a home in Stamford?
A $62,000 home in Stamford, Texas costs approximately $734 per month with 20% down at 6.66%. That is $319 principal and interest, $106 property tax, $41 homeowners insurance, $216 utilities and $52 set aside for maintenance.
What is the property tax rate in Stamford?
Stamford has an effective property tax rate of 2.061%, based on a median home value of $62,400 and median real estate taxes of $1,286. That is higher than the Jones County average of 1.537%.
What is the average home price in Stamford?
The median owner-occupied home value in Stamford, Texas is $62,400, against $92,700 across Jones County.
Is it cheaper to rent or buy in Stamford?
Median gross rent in Stamford is $1,033 a month, against $734 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Stamford — 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.