Total monthly cost of ownership
Cost to Own a Home in Talty, Texas
A $441,000 home here costs
$3,756per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,267. The real number is $1,488 higher every month — 66% 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.
Talty against Kaufman County and Texas
| Measure | Talty | Kaufman County |
|---|---|---|
| Median home value | $441,400 | $290,800 |
| Median property tax | $7,368 | $5,036 |
| Effective tax rate | 1.669% | 1.732% |
| Median gross rent | — | $1,408 |
| Population | 2,727 | 160,718 |
The weather behind that power bill
Talty sits in Kaufman County, which averages a high of 96.3°F in its hottest month and a low of 35.7°F in its coldest, with 38.42" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,738 cooling and 2,211 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Kaufman County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kaufman County
Common questions
How much does it cost to own a home in Talty?
A $441,000 home in Talty, Texas costs approximately $3,756 per month with 20% down at 6.66%. That is $2,267 principal and interest, $613 property tax, $292 homeowners insurance, $216 utilities and $368 set aside for maintenance.
What is the property tax rate in Talty?
Talty has an effective property tax rate of 1.669%, based on a median home value of $441,400 and median real estate taxes of $7,368. That is lower than the Kaufman County average of 1.732%.
What is the average home price in Talty?
The median owner-occupied home value in Talty, Texas is $441,400, against $290,800 across Kaufman County.
Is it cheaper to rent or buy in Talty?
Rent data is not published for Talty at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Talty — 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.