Texas · Houston-Pasadena-The Woodlands, TX metro area

Buying a home in Atascocita, Texas

In Atascocita, the median value of owner-occupied homes is $307,400, Harris County's effective property tax rate is 1.62%, a purchase mortgage carried a median $8,540 in total loan costs in 2025, and median gross rent is $1,849 a month.

Data as of : Census ACS 2020-2024, Census Vintage 2024, HMDA 2025, HUD FY 2027. Sources

Atascocita home costs, fact by fact

About Atascocita

Atascocita is an unincorporated community, not a city, and lies in the Houston-Pasadena-The Woodlands, TX metro area, the 5th largest in the country by that ranking. Owners estimate the median home value at $307,400, which is not a sale price, and 82.5% of homes are owner-occupied.

Reading the Atascocita figures

Atascocita is an unincorporated community, and its figures can be read against the incorporated Texas cities in the data. Owners estimate the median home at $307,400, a little below the Texas statewide figure of $318,100 and above Houston's $277,800. College Station reports a higher $346,700, New Braunfels comes next with $339,400, Dallas lands near $320,700 and Mesquite sits far lower, with $245,700. Conroe is nearly level with Atascocita, with $309,600, while Fort Worth falls just below it with $303,000 and Arlington reports $304,700. None of these is a sale price, so treat them as how owners value their homes.

The rent picture is the notable part. Atascocita tenants pay a median of $1,849 a month, higher than the $1,472 in Dallas, the $1,361 in Houston or the $1,194 in College Station, and well above HUD's benchmark of $1,497 for the Houston-The Woodlands-Sugar Land area. Garland, whose rent is $1,641, and Fort Worth, whose rent is $1,509, are closer but still lower. Since the HUD figure is a program benchmark and not a market median, the gap is a reminder that local rent can sit above it, and that a buyer comparing renting with owning here should use the local median.

Ownership is the other contrast: 82.5% of homes are owner-occupied, far above Dallas, where owners are 42.4%, and Houston, where they are 42.1%, and higher than New Braunfels with 65.3%, Midland with 65.1% or Conroe with 54.5%. In this data, Atascocita reads as a place where owners far outnumber renters.

Midland, with rent of $1,434 and a 65.1% owner share, sits between Houston and Atascocita on tenure, though its value estimate of $319,200 is higher than Atascocita's.

Size is worth a note: Atascocita's 99,354 residents are fewer than Garland's 250,431 or Irving's 258,060 and close to Conroe's 114,581 and New Braunfels's 116,477. Its owner estimate is lower than Irving's $315,600 and New Braunfels's $339,400, yet higher than Garland's $270,800, so size and value do not move together in this group.

The tax read matters for a buyer. Harris County's 1.62% effective rate, assessed against $276,600, produces a median annual tax of $4,489. Atascocita's own estimated value is higher than that county median, so a typical bill on a home here may land above the county figure, though the fiche does not say so. Among the 35,942 mortgages recorded in Harris County in 2025, lenders charged a middle figure of $8,540, and the central spread ran from $5,777 to $12,025. The metro area, Houston-Pasadena-The Woodlands, has 7,796,182 residents, and Atascocita itself counts 99,354.

Calculate for Texas

If you buy

Texas state transfer tax

Texas has no real estate transfer tax. Change the price: the amount is recalculated instantly.

Price$318,100
State transfer tax$0
Share of the price—

Default price: the Texas median value of owner-occupied homes, $318,100 (Census ACS 2025). Rule: No transfer tax exists. Buyers pay county recording fees and a state-set title insurance premium. Who pays: No transfer tax to assign. Recording fees and the title insurance premium appear on the closing statement. Not included: county and city transfer taxes, recording fees, title insurance and lender charges. Texas transfer tax guide · all 50 states.

If you sell

Capital gain and the federal tax on it

Same federal rule in every state: Section 121 of the Internal Revenue Code excludes up to $250,000 of gain on a main home ($500,000 for a married couple filing jointly).

Capital gain$350,000
Section 121 exclusion$250,000 (limit $250,000)
Taxable gain$100,000
Type of gainLong-term (owned over 1 year), 15% chosen
Federal tax on the gain$15,000

Section 121 excludes $250,000; the rest is taxable.

Gain = sale price minus your adjusted basis (purchase price, buying costs and improvements); selling expenses reduce it (IRS Publication 523). Long-term rates for sales in 2026, by taxable income including the gain (IRS Rev. Proc. 2025-32, section 4.03): 0% up to $49,450 single or $98,900 married filing jointly, 15% up to $545,500 single or $613,700 jointly, 20% above. Not included: Texas state income tax on the gain (not computed), the net investment income tax, depreciation recapture on a rental or home office, and the reduced exclusion for an early sale. Agent commissions are negotiated and never set by law. Capital gains on a home sale.

Questions about buying a home in Atascocita

How much is property tax in Atascocita?

Homeowners in Harris County pay a median $4,489 a year in property tax, 1.62% of the county median home value of $276,600 (Census ACS 2020-2024). Your bill depends on your assessed value and local rates.

What are closing costs on a mortgage in Atascocita?

Home-purchase mortgages in Harris County carried median total loan costs of $8,540 in 2025; half of the 35,942 loans fell between $5,777 and $12,025 (HMDA). Total loan costs are the lender and settlement-service charges of the Closing Disclosure; transfer taxes and prepaid items come on top.

Is there a transfer tax when you buy a home in Atascocita?

Texas has no real estate transfer tax. Article VIII, Section 29 of the Texas Constitution, added November 3, 2015, says no law enacted after January 1, 2016 may impose a transfer tax on a transaction that conveys fee simple title to real property.

Is it cheaper to rent or buy in Atascocita?

It depends on your mortgage rate, down payment and how long you stay. As a benchmark, the median value of owner-occupied homes in Atascocita ($307,400) equals 13.9 years of the median gross rent ($1,849 a month), both from Census ACS 2020-2024.

What natural hazards affect home insurance in Atascocita?

Across Texas, the main hazards for home insurance are flood, tornado, wind and hail, and the insurer of last resort is Texas FAIR Plan Association (TFPA). Texas gets more tornadoes than any other state, according to the Texas Department of Insurance; on the coast, windstorm coverage comes from a separate policy, often from TWIA, in 14 coastal counties plus part of Harris County.

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Texas rules that apply in Atascocita

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Sources

Texas · All states · Federal guides