Total monthly cost of ownership
Cost to Own a Home in Sugar Land, Texas
A $407,000 home here costs
$3,526per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,092. The real number is $1,434 higher every month — 69% 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.
Sugar Land against Fort Bend County and Texas
| Measure | Sugar Land | Fort Bend County |
|---|---|---|
| Median home value | $406,600 | $350,300 |
| Median property tax | $7,306 | $6,965 |
| Effective tax rate | 1.797% | 1.988% |
| Median gross rent | $1,939 | $1,770 |
| Population | 109,735 | 859,721 |
The weather behind that power bill
Sugar Land 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 $148 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
Common questions
How much does it cost to own a home in Sugar Land?
A $407,000 home in Sugar Land, Texas costs approximately $3,526 per month with 20% down at 6.66%. That is $2,092 principal and interest, $609 property tax, $269 homeowners insurance, $216 utilities and $339 set aside for maintenance.
What is the property tax rate in Sugar Land?
Sugar Land has an effective property tax rate of 1.797%, based on a median home value of $406,600 and median real estate taxes of $7,306. That is lower than the Fort Bend County average of 1.988%.
What is the average home price in Sugar Land?
The median owner-occupied home value in Sugar Land, Texas is $406,600, against $350,300 across Fort Bend County.
Is it cheaper to rent or buy in Sugar Land?
Median gross rent in Sugar Land is $1,939 a month, against $3,526 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 Sugar Land — 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.