Total monthly cost of ownership
Cost to Own a Home in Yorktown, Texas
A $159,000 home here costs
$1,379per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $817. The real number is $562 higher every month — 69% 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.
Yorktown against DeWitt County and Texas
| Measure | Yorktown | DeWitt County |
|---|---|---|
| Median home value | $159,000 | $167,200 |
| Median property tax | $1,301 | $1,437 |
| Effective tax rate | 0.818% | 0.859% |
| Median gross rent | $833 | $955 |
| Population | 1,987 | 19,853 |
The weather behind that power bill
Yorktown sits in DeWitt County, which averages a high of 98.3°F in its hottest month and a low of 42.0°F in its coldest, with 34.22" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 3,454 cooling and 1,275 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for DeWitt County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in DeWitt County
Common questions
How much does it cost to own a home in Yorktown?
A $159,000 home in Yorktown, Texas costs approximately $1,379 per month with 20% down at 6.66%. That is $817 principal and interest, $108 property tax, $105 homeowners insurance, $216 utilities and $133 set aside for maintenance.
What is the property tax rate in Yorktown?
Yorktown has an effective property tax rate of 0.818%, based on a median home value of $159,000 and median real estate taxes of $1,301. That is lower than the DeWitt County average of 0.859%.
What is the average home price in Yorktown?
The median owner-occupied home value in Yorktown, Texas is $159,000, against $167,200 across DeWitt County.
Is it cheaper to rent or buy in Yorktown?
Median gross rent in Yorktown is $833 a month, against $1,379 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 Yorktown — 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.