Total monthly cost of ownership
Cost to Own a Home in Yorktown, Texas
A $159,000 home here costs
$1,455per 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 $62,500 a year.
A standard mortgage calculator would have told you $867. The real number is $588 higher every month, 68% more than the payment most buyers budget for.
Compare DeWitt County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Yorktown from a five-year rolling sample, and with about 1,987 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 DeWitt 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.
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 $174 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
Talk to someone who works this market
These are Yorktown 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 Yorktown every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Yorktown I already own here and may sell
Common questions
How much does it cost to own a home in Yorktown?
A $159,000 home in Yorktown, Texas costs approximately $1,455 per month with 20% down at 7.24%. That is $867 principal and interest, $108 property tax, $105 homeowners insurance, $242 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 $1,455 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 Yorktown?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Yorktown, Texas at today's rate takes a household income of roughly $62,500 a year. That covers the full $1,455 monthly cost, not just the mortgage payment.
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.