Total monthly cost of ownership
Cost to Own a Home in Westwood Shores, Texas
A $174,000 home here costs
$1,716per 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 $73,500 a year.
A standard mortgage calculator would have told you $949. The real number is $768 higher every month, 81% more than the payment most buyers budget for.
Compare Trinity County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Westwood Shores from a five-year rolling sample, and with about 1,561 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 Trinity 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.
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 $174 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
Talk to someone who works this market
These are Westwood Shores 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 Westwood Shores every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Westwood Shores I already own here and may sell
Common questions
How much does it cost to own a home in Westwood Shores?
A $174,000 home in Westwood Shores, Texas costs approximately $1,716 per month with 20% down at 7.24%. That is $949 principal and interest, $265 property tax, $115 homeowners insurance, $242 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 $1,716 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Westwood Shores?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Westwood Shores, Texas at today's rate takes a household income of roughly $73,500 a year. That covers the full $1,716 monthly cost, not just the mortgage payment.
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.