Ranked from ACS 2023 5-Year
Highest Costs Beyond the Mortgage in Texas
Tax, insurance, electricity, water and maintenance as a share of the total monthly cost of owning: everything the mortgage payment is not. Ranking the dollars would just reproduce a list of expensive counties, because all of those costs scale with the price of the house. The share does not: at one rate and one down payment the mortgage is the same fraction of price everywhere, so what moves this list is counties whose carrying costs are heavy for what the house is worth. The share depends on the rate and the 20% down payment this site models, and would shift if either changed.
Where does yours land?
Every county in America is somewhere on this scale, including the one you live in.
Texas ranked
| # | County | Share beyond mortgage | Monthly beyond mortgage | Monthly to own |
|---|---|---|---|---|
| 1 | Willacy County | 57.0% | $430 | $755 |
| 2 | Stonewall County | 56.9% | $386 | $678 |
| 3 | Cottle County | 56.5% | $375 | $664 |
| 4 | Hudspeth County | 55.6% | $384 | $691 |
| 5 | Cochran County | 55.6% | $385 | $693 |
| 6 | Knox County | 55.5% | $446 | $802 |
| 7 | Dickens County | 54.4% | $413 | $760 |
| 8 | Crosby County | 53.7% | $467 | $870 |
| 9 | Fisher County | 53.1% | $468 | $883 |
| 10 | Mitchell County | 52.7% | $510 | $968 |
| 11 | Garza County | 52.6% | $470 | $894 |
| 12 | Foard County | 52.4% | $419 | $800 |
| 13 | Swisher County | 51.5% | $505 | $981 |
| 14 | Lamb County | 51.4% | $433 | $842 |
| 15 | Hardeman County | 51.4% | $432 | $840 |
| 16 | Dawson County | 51.2% | $508 | $993 |
| 17 | Hall County | 50.8% | $443 | $871 |
| 18 | Brooks County | 50.6% | $453 | $894 |
| 19 | Edwards County | 50.6% | $428 | $846 |
| 20 | Dimmit County | 50.6% | $439 | $867 |
| 21 | Zavala County | 50.4% | $478 | $949 |
| 22 | Kinney County | 50.3% | $478 | $951 |
| 23 | Motley County | 50.3% | $437 | $870 |
| 24 | Jones County | 50.2% | $499 | $994 |
| 25 | McMullen County | 50.2% | $585 | $1,166 |
| 26 | Throckmorton County | 50.0% | $449 | $898 |
| 27 | Briscoe County | 49.9% | $441 | $883 |
| 28 | Coleman County | 49.8% | $482 | $969 |
| 29 | Newton County | 49.7% | $438 | $881 |
| 30 | Refugio County | 49.5% | $494 | $998 |
| 31 | Nolan County | 49.4% | $513 | $1,038 |
| 32 | Falls County | 49.4% | $507 | $1,026 |
| 33 | Duval County | 49.3% | $449 | $910 |
| 34 | La Salle County | 49.3% | $524 | $1,064 |
| 35 | Stephens County | 49.3% | $548 | $1,113 |
| 36 | Wheeler County | 49.2% | $506 | $1,027 |
| 37 | Menard County | 49.2% | $545 | $1,107 |
| 38 | Wilbarger County | 49.2% | $511 | $1,039 |
| 39 | Baylor County | 49.0% | $478 | $977 |
| 40 | Donley County | 48.9% | $462 | $945 |
| 41 | Hutchinson County | 48.8% | $521 | $1,067 |
| 42 | Gray County | 48.8% | $512 | $1,048 |
| 43 | Zapata County | 48.7% | $451 | $925 |
| 44 | Culberson County | 48.7% | $429 | $880 |
| 45 | San Augustine County | 48.7% | $424 | $869 |
| 46 | Haskell County | 48.6% | $465 | $956 |
| 47 | Sherman County | 48.6% | $634 | $1,304 |
| 48 | Runnels County | 48.6% | $524 | $1,077 |
| 49 | Concho County | 48.6% | $534 | $1,098 |
| 50 | Bailey County | 48.5% | $526 | $1,083 |
| 51 | Bee County | 48.5% | $517 | $1,066 |
| 52 | Starr County | 48.5% | $469 | $967 |
| 53 | Frio County | 48.5% | $553 | $1,140 |
| 54 | Scurry County | 48.4% | $554 | $1,146 |
| 55 | Castro County | 48.3% | $473 | $979 |
| 56 | McCulloch County | 48.2% | $518 | $1,075 |
| 57 | Hale County | 48.0% | $523 | $1,090 |
| 58 | Hidalgo County | 47.9% | $610 | $1,272 |
| 59 | Terry County | 47.9% | $545 | $1,139 |
| 60 | Hockley County | 47.7% | $550 | $1,151 |
| 61 | Cameron County | 47.7% | $584 | $1,224 |
| 62 | Jim Wells County | 47.6% | $508 | $1,067 |
| 63 | Childress County | 47.5% | $555 | $1,170 |
| 64 | Schleicher County | 47.4% | $547 | $1,152 |
| 65 | Floyd County | 47.3% | $484 | $1,023 |
| 66 | Lynn County | 47.3% | $627 | $1,325 |
| 67 | Collingsworth County | 47.3% | $519 | $1,098 |
| 68 | Presidio County | 47.2% | $588 | $1,246 |
| 69 | Deaf Smith County | 46.9% | $548 | $1,167 |
| 70 | Hamilton County | 46.9% | $588 | $1,255 |
| 71 | Upton County | 46.9% | $501 | $1,068 |
| 72 | Parmer County | 46.8% | $598 | $1,278 |
| 73 | Hansford County | 46.8% | $620 | $1,325 |
| 74 | El Paso County | 46.7% | $783 | $1,676 |
| 75 | Wichita County | 46.7% | $662 | $1,418 |
| 76 | Morris County | 46.7% | $515 | $1,103 |
| 77 | Coke County | 46.4% | $523 | $1,125 |
| 78 | Trinity County | 46.4% | $508 | $1,096 |
| 79 | Reeves County | 46.3% | $524 | $1,131 |
| 80 | Crane County | 46.3% | $552 | $1,192 |
| 81 | Jim Hogg County | 46.3% | $578 | $1,248 |
| 82 | Moore County | 46.0% | $617 | $1,339 |
| 83 | Potter County | 46.0% | $613 | $1,333 |
| 84 | Lipscomb County | 45.8% | $580 | $1,265 |
| 85 | Shelby County | 45.8% | $504 | $1,101 |
| 86 | Comanche County | 45.8% | $622 | $1,357 |
| 87 | Eastland County | 45.6% | $545 | $1,195 |
| 88 | Uvalde County | 45.6% | $646 | $1,417 |
| 89 | Kent County | 45.6% | $487 | $1,069 |
| 90 | Dallam County | 45.4% | $624 | $1,374 |
| 91 | Kleberg County | 45.4% | $674 | $1,487 |
| 92 | Ochiltree County | 45.3% | $607 | $1,340 |
| 93 | Webb County | 45.1% | $785 | $1,741 |
| 94 | Sutton County | 45.0% | $614 | $1,364 |
| 95 | Carson County | 44.9% | $612 | $1,362 |
| 96 | Marion County | 44.8% | $480 | $1,070 |
| 97 | Jefferson County | 44.8% | $690 | $1,542 |
| 98 | Val Verde County | 44.7% | $655 | $1,463 |
| 99 | Winkler County | 44.5% | $519 | $1,166 |
| 100 | Jasper County | 44.5% | $539 | $1,211 |
| 101 | Calhoun County | 44.5% | $641 | $1,442 |
| 102 | Maverick County | 44.3% | $645 | $1,453 |
| 103 | Oldham County | 44.3% | $615 | $1,388 |
| 104 | Cass County | 44.0% | $560 | $1,273 |
| 105 | Borden County | 43.9% | $441 | $1,003 |
| 106 | Sabine County | 43.8% | $549 | $1,253 |
| 107 | Angelina County | 43.8% | $622 | $1,422 |
| 108 | Nueces County | 43.7% | $805 | $1,845 |
| 109 | Atascosa County | 43.6% | $651 | $1,491 |
| 110 | Clay County | 43.6% | $666 | $1,527 |
| 111 | Red River County | 43.6% | $552 | $1,266 |
| 112 | Navarro County | 43.5% | $658 | $1,511 |
| 113 | San Patricio County | 43.5% | $741 | $1,704 |
| 114 | Tyler County | 43.5% | $568 | $1,307 |
| 115 | Karnes County | 43.3% | $559 | $1,290 |
| 116 | Madison County | 43.3% | $608 | $1,404 |
| 117 | Callahan County | 43.3% | $591 | $1,364 |
| 118 | Sterling County | 43.3% | $584 | $1,349 |
| 119 | Bowie County | 43.3% | $657 | $1,519 |
| 120 | Wharton County | 43.3% | $744 | $1,720 |
| 121 | Brown County | 43.3% | $610 | $1,410 |
| 122 | Limestone County | 43.1% | $626 | $1,450 |
| 123 | Pecos County | 43.1% | $579 | $1,342 |
| 124 | Gonzales County | 43.1% | $642 | $1,490 |
| 125 | Coryell County | 43.1% | $716 | $1,663 |
| 126 | Matagorda County | 43.0% | $654 | $1,520 |
| 127 | Titus County | 43.0% | $636 | $1,479 |
| 128 | Gaines County | 43.0% | $746 | $1,735 |
| 129 | Howard County | 42.9% | $604 | $1,406 |
| 130 | Orange County | 42.9% | $656 | $1,528 |
| 131 | Cherokee County | 42.9% | $643 | $1,499 |
| 132 | Palo Pinto County | 42.9% | $671 | $1,564 |
| 133 | Lubbock County | 42.9% | $800 | $1,866 |
| 134 | Hill County | 42.9% | $654 | $1,524 |
| 135 | Armstrong County | 42.8% | $743 | $1,734 |
| 136 | Bexar County | 42.8% | $976 | $2,279 |
| 137 | Liberty County | 42.7% | $666 | $1,558 |
| 138 | Archer County | 42.7% | $697 | $1,633 |
| 139 | Young County | 42.7% | $656 | $1,539 |
| 140 | Victoria County | 42.6% | $782 | $1,837 |
| 141 | Jack County | 42.6% | $692 | $1,625 |
| 142 | Kimble County | 42.5% | $682 | $1,606 |
| 143 | Taylor County | 42.4% | $749 | $1,765 |
| 144 | Shackelford County | 42.4% | $696 | $1,641 |
| 145 | Live Oak County | 42.4% | $559 | $1,319 |
| 146 | Polk County | 42.4% | $605 | $1,427 |
| 147 | Upshur County | 42.4% | $673 | $1,587 |
| 148 | Delta County | 42.4% | $587 | $1,384 |
| 149 | Tom Green County | 42.3% | $731 | $1,728 |
| 150 | Reagan County | 42.2% | $639 | $1,513 |
| 151 | Panola County | 42.2% | $570 | $1,349 |
| 152 | Camp County | 42.2% | $623 | $1,477 |
| 153 | Andrews County | 42.1% | $732 | $1,736 |
| 154 | Irion County | 42.1% | $591 | $1,406 |
| 155 | Harris County | 42.1% | $988 | $2,350 |
| 156 | Bell County | 42.1% | $857 | $2,037 |
| 157 | Randall County | 42.0% | $881 | $2,096 |
| 158 | McLennan County | 42.0% | $849 | $2,019 |
| 159 | Fort Bend County | 41.9% | $1,346 | $3,216 |
| 160 | Ector County | 41.8% | $730 | $1,747 |
| 161 | Freestone County | 41.8% | $630 | $1,508 |
| 162 | San Saba County | 41.8% | $620 | $1,483 |
| 163 | Brazoria County | 41.7% | $1,058 | $2,536 |
| 164 | Houston County | 41.7% | $593 | $1,421 |
| 165 | Gregg County | 41.7% | $709 | $1,701 |
| 166 | Milam County | 41.6% | $644 | $1,545 |
| 167 | Nacogdoches County | 41.6% | $600 | $1,445 |
| 168 | Tarrant County | 41.5% | $1,116 | $2,686 |
| 169 | Rusk County | 41.5% | $631 | $1,522 |
| 170 | Kaufman County | 41.4% | $1,097 | $2,649 |
| 171 | San Jacinto County | 41.4% | $690 | $1,667 |
| 172 | Dallas County | 41.4% | $1,047 | $2,530 |
| 173 | Burleson County | 41.3% | $654 | $1,582 |
| 174 | Terrell County | 41.3% | $571 | $1,384 |
| 175 | Jackson County | 41.3% | $658 | $1,595 |
| 176 | Hardin County | 41.2% | $705 | $1,709 |
| 177 | Ward County | 41.2% | $519 | $1,260 |
| 178 | Caldwell County | 41.1% | $804 | $1,955 |
| 179 | Brazos County | 41.1% | $1,042 | $2,535 |
| 180 | Martin County | 41.1% | $604 | $1,470 |
| 181 | Hunt County | 41.1% | $785 | $1,911 |
| 182 | Anderson County | 40.9% | $642 | $1,568 |
| 183 | Roberts County | 40.9% | $654 | $1,598 |
| 184 | Harrison County | 40.9% | $659 | $1,611 |
| 185 | Medina County | 40.8% | $811 | $1,986 |
| 186 | Goliad County | 40.8% | $673 | $1,649 |
| 187 | Lamar County | 40.7% | $644 | $1,580 |
| 188 | Robertson County | 40.7% | $632 | $1,554 |
| 189 | DeWitt County | 40.7% | $612 | $1,504 |
| 190 | Bastrop County | 40.6% | $985 | $2,423 |
| 191 | Colorado County | 40.6% | $708 | $1,744 |
| 192 | Hartley County | 40.6% | $778 | $1,916 |
| 193 | Bosque County | 40.6% | $673 | $1,658 |
| 194 | Hopkins County | 40.5% | $703 | $1,735 |
| 195 | Brewster County | 40.5% | $785 | $1,938 |
| 196 | Yoakum County | 40.5% | $665 | $1,642 |
| 197 | Grayson County | 40.5% | $829 | $2,048 |
| 198 | Montgomery County | 40.5% | $1,153 | $2,848 |
| 199 | Van Zandt County | 40.5% | $724 | $1,789 |
| 200 | Smith County | 40.5% | $801 | $1,980 |
| 201 | Cooke County | 40.3% | $811 | $2,010 |
| 202 | Hemphill County | 40.2% | $772 | $1,919 |
| 203 | Henderson County | 40.2% | $680 | $1,693 |
| 204 | Hays County | 40.2% | $1,332 | $3,315 |
| 205 | Guadalupe County | 40.2% | $1,025 | $2,552 |
| 206 | Walker County | 40.2% | $746 | $1,855 |
| 207 | Galveston County | 40.2% | $1,021 | $2,542 |
| 208 | Lampasas County | 40.1% | $844 | $2,104 |
| 209 | Montague County | 40.0% | $675 | $1,686 |
| 210 | Fannin County | 39.9% | $758 | $1,897 |
| 211 | Rains County | 39.8% | $759 | $1,906 |
| 212 | Denton County | 39.8% | $1,424 | $3,577 |
| 213 | Johnson County | 39.7% | $894 | $2,253 |
| 214 | Wood County | 39.7% | $685 | $1,727 |
| 215 | Ellis County | 39.6% | $1,073 | $2,709 |
| 216 | Crockett County | 39.6% | $490 | $1,238 |
| 217 | Williamson County | 39.6% | $1,452 | $3,665 |
| 218 | Rockwall County | 39.5% | $1,348 | $3,408 |
| 219 | Leon County | 39.5% | $619 | $1,566 |
| 220 | Grimes County | 39.4% | $787 | $1,997 |
| 221 | Waller County | 39.3% | $1,010 | $2,568 |
| 222 | Austin County | 39.3% | $936 | $2,382 |
| 223 | Mills County | 39.2% | $688 | $1,757 |
| 224 | Wilson County | 39.1% | $980 | $2,509 |
| 225 | Collin County | 39.0% | $1,530 | $3,920 |
| 226 | Parker County | 39.0% | $1,171 | $3,005 |
| 227 | Erath County | 38.9% | $855 | $2,200 |
| 228 | Franklin County | 38.8% | $723 | $1,861 |
| 229 | Lavaca County | 38.8% | $748 | $1,928 |
| 230 | Midland County | 38.7% | $988 | $2,552 |
| 231 | Aransas County | 38.6% | $796 | $2,060 |
| 232 | Wise County | 38.6% | $931 | $2,411 |
| 233 | Washington County | 38.6% | $905 | $2,347 |
| 234 | Hood County | 38.3% | $933 | $2,434 |
| 235 | Lee County | 38.1% | $812 | $2,133 |
| 236 | Chambers County | 38.0% | $950 | $2,497 |
| 237 | Travis County | 38.0% | $1,595 | $4,198 |
| 238 | Somervell County | 37.9% | $826 | $2,179 |
| 239 | Kerr County | 37.9% | $928 | $2,450 |
| 240 | Bandera County | 37.8% | $811 | $2,145 |
| 241 | Fayette County | 37.7% | $875 | $2,322 |
| 242 | Burnet County | 37.6% | $998 | $2,655 |
| 243 | Comal County | 36.8% | $1,240 | $3,369 |
| 244 | Mason County | 36.4% | $839 | $2,305 |
| 245 | Kendall County | 35.9% | $1,465 | $4,080 |
| 246 | Jeff Davis County | 35.9% | $699 | $1,951 |
| 247 | Blanco County | 35.8% | $1,179 | $3,294 |
| 248 | Llano County | 35.3% | $940 | $2,660 |
| 249 | Gillespie County | 35.2% | $1,255 | $3,563 |
| 250 | Glasscock County | 34.8% | $710 | $2,037 |
Every figure is modelled on the county's own median home with 20% down at 7.03%. Property tax and electricity are county and state specific; homeowners insurance uses the NAIC average premium for that state, which ranges from 0.16% of home value in Hawaii to 1.16% in Oklahoma. Maintenance and water are national estimates. Full methodology.
Nationwide
Highest Costs Beyond the Mortgage across all 3,133 US counties · Every county in Texas