Total monthly cost of ownership
Cost to Own a Home in Westwood Shores, Texas
A $174,000 home here costs
$1,636per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $895. The real number is $741 higher every month — 83% 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.
Westwood Shores against Trinity County and Texas
| Measure | Westwood Shores | Trinity County |
|---|---|---|
| Median home value | $173,700 | $110,100 |
| Median property tax | $3,178 | $1,219 |
| Effective tax rate | 1.830% | 1.107% |
| Median gross rent | $1,069 | $823 |
| Population | 1,561 | 13,850 |
The weather behind that power bill
Westwood Shores sits in Trinity County, which averages a high of 93.7°F in its hottest month and a low of 37.5°F in its coldest, with 50.27" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,524 cooling and 1,973 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Trinity County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Trinity County
Common questions
How much does it cost to own a home in Westwood Shores?
A $174,000 home in Westwood Shores, Texas costs approximately $1,636 per month with 20% down at 6.66%. That is $895 principal and interest, $265 property tax, $115 homeowners insurance, $216 utilities and $145 set aside for maintenance.
What is the property tax rate in Westwood Shores?
Westwood Shores has an effective property tax rate of 1.830%, based on a median home value of $173,700 and median real estate taxes of $3,178. That is higher than the Trinity County average of 1.107%.
What is the average home price in Westwood Shores?
The median owner-occupied home value in Westwood Shores, Texas is $173,700, against $110,100 across Trinity County.
Is it cheaper to rent or buy in Westwood Shores?
Median gross rent in Westwood Shores is $1,069 a month, against $1,636 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 Westwood Shores — 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.