Total monthly cost of ownership
Cost to Own a Home in West Livingston, Texas
A $111,000 home here costs
$1,053per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $571. The real number is $483 higher every month — 85% 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.
West Livingston against Polk County and Texas
| Measure | West Livingston | Polk County |
|---|---|---|
| Median home value | $111,400 | $154,000 |
| Median property tax | $1,214 | $1,597 |
| Effective tax rate | 1.090% | 1.037% |
| Median gross rent | $1,175 | $1,009 |
| Population | 7,888 | 51,780 |
The weather behind that power bill
West Livingston sits in Polk County, which averages a high of 95.5°F in its hottest month and a low of 40.1°F in its coldest, with 50.98" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,996 cooling and 1,647 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Polk County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Polk County
Common questions
How much does it cost to own a home in West Livingston?
A $111,000 home in West Livingston, Texas costs approximately $1,053 per month with 20% down at 6.66%. That is $571 principal and interest, $101 property tax, $73 homeowners insurance, $216 utilities and $93 set aside for maintenance.
What is the property tax rate in West Livingston?
West Livingston has an effective property tax rate of 1.090%, based on a median home value of $111,400 and median real estate taxes of $1,214. That is higher than the Polk County average of 1.037%.
What is the average home price in West Livingston?
The median owner-occupied home value in West Livingston, Texas is $111,400, against $154,000 across Polk County.
Is it cheaper to rent or buy in West Livingston?
Median gross rent in West Livingston is $1,175 a month, against $1,053 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for West Livingston — 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.