Total monthly cost of ownership
Cost to Own a Home in Whitehouse, Texas
A $216,000 home here costs
$2,106per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $90,000 a year.
A standard mortgage calculator would have told you $1,196. The real number is $909 higher every month, 76% more than the payment most buyers budget for.
Compare Smith County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Whitehouse against Smith County and Texas
| Measure | Whitehouse | Smith County |
|---|---|---|
| Median home value | $216,000 | $220,800 |
| Median property tax | $4,131 | $2,749 |
| Effective tax rate | 1.912% | 1.245% |
| Median gross rent | $1,447 | $1,197 |
| Population | 8,794 | 238,014 |
The weather behind that power bill
Whitehouse sits in Smith County, which averages a high of 94.9°F in its hottest month and a low of 37.4°F in its coldest, with 42.1" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 2,685 cooling and 2,072 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Smith County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Smith County
Talk to someone who works this market
These are Whitehouse 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 Whitehouse every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Whitehouse I already own here and may sell
Common questions
How much does it cost to own a home in Whitehouse?
A $216,000 home in Whitehouse, Texas costs approximately $2,106 per month with 20% down at 7.4%. That is $1,196 principal and interest, $344 property tax, $143 homeowners insurance, $242 utilities and $180 set aside for maintenance.
What is the property tax rate in Whitehouse?
Whitehouse has an effective property tax rate of 1.912%, based on a median home value of $216,000 and median real estate taxes of $4,131. That is higher than the Smith County average of 1.245%.
What is the average home price in Whitehouse?
The median owner-occupied home value in Whitehouse, Texas is $216,000, against $220,800 across Smith County.
Is it cheaper to rent or buy in Whitehouse?
Median gross rent in Whitehouse is $1,447 a month, against $2,106 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 Whitehouse?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Whitehouse, Texas at today's rate takes a household income of roughly $90,000 a year. That covers the full $2,106 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Whitehouse, 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.