Total monthly cost of ownership
Cost to Own a Home in Talty, Texas
A $441,000 home here costs
$3,919per 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 $168,000 a year.
A standard mortgage calculator would have told you $2,404. The real number is $1,515 higher every month, 63% more than the payment most buyers budget for.
Compare Kaufman County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Talty from a five-year rolling sample, and with about 2,727 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 Kaufman 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.
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 $174 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
Talk to someone who works this market
These are Talty 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 Talty every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Talty?
A $441,000 home in Talty, Texas costs approximately $3,919 per month with 20% down at 7.24%. That is $2,404 principal and interest, $613 property tax, $292 homeowners insurance, $242 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.
What salary do you need to buy a home in Talty?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Talty, Texas at today's rate takes a household income of roughly $168,000 a year. That covers the full $3,919 monthly cost, not just the mortgage payment.
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.