Total monthly cost of ownership
Cost to Own a Home in Stowell, Texas
A $125,000 home here costs
$1,247per 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 $53,500 a year.
A standard mortgage calculator would have told you $681. The real number is $566 higher every month, 83% more than the payment most buyers budget for.
Compare Chambers County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Stowell from a five-year rolling sample, and with about 1,984 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 Chambers 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.
Stowell against Chambers County and Texas
| Measure | Stowell | Chambers County |
|---|---|---|
| Median home value | $124,500 | $289,900 |
| Median property tax | $1,634 | $3,290 |
| Effective tax rate | 1.312% | 1.135% |
| Median gross rent | — | $1,548 |
| Population | 1,984 | 49,178 |
The weather behind that power bill
Stowell sits in Chambers County, which averages a high of 91.5°F in its hottest month and a low of 43.2°F in its coldest, with 59.72" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,771 cooling and 1,394 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Chambers County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Chambers County
Talk to someone who works this market
These are Stowell 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 Stowell every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Stowell I already own here and may sell
Common questions
How much does it cost to own a home in Stowell?
A $125,000 home in Stowell, Texas costs approximately $1,247 per month with 20% down at 7.24%. That is $681 principal and interest, $137 property tax, $83 homeowners insurance, $242 utilities and $104 set aside for maintenance.
What is the property tax rate in Stowell?
Stowell has an effective property tax rate of 1.312%, based on a median home value of $124,500 and median real estate taxes of $1,634. That is higher than the Chambers County average of 1.135%.
What is the average home price in Stowell?
The median owner-occupied home value in Stowell, Texas is $124,500, against $289,900 across Chambers County.
Is it cheaper to rent or buy in Stowell?
Rent data is not published for Stowell at this level of detail.
What salary do you need to buy a home in Stowell?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Stowell, Texas at today's rate takes a household income of roughly $53,500 a year. That covers the full $1,247 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Stowell, 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.