Total monthly cost of ownership
Cost to Own a Home in Stowell, Texas
A $125,000 home here costs
$1,182per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $643. The real number is $539 higher every month — 84% 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.
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 $148 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
Common questions
How much does it cost to own a home in Stowell?
A $125,000 home in Stowell, Texas costs approximately $1,182 per month with 20% down at 6.66%. That is $643 principal and interest, $137 property tax, $83 homeowners insurance, $216 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.
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.