Rent vs buy in Fulshear, TX
Fulshear, Texas has a typical rent of $2,115 /mo and a typical home price of $502,151 in Texas.
Over 7 years, renting comes out $84k ahead
Today's mortgage rate applies, along with Fulshear's typical rent and home value and 20% down. There's no break-even within 30 years.
A clearly labelled opinion, with the math shown. These are estimates, not quotes. The stamp updates when you change a number.
- Renting is ahead by
- $84k after 7 years
- Break-even point
- 30+ years owning never catches up sooner
- Full ownership cost
- $4,801 per month year 1, against $2,115 rent
Change my numbers
The result on the stamp comes from Fulshear's typical rent and home value. Change your rent, price or years, and the result can flip.
Do these differ from the city's figures?
Enter the rent, price and down payment that apply to you. Those figures change the stamp.
Which costs less in Fulshear, renting or buying?
When money returned by the sale is included, renting costs $84,446 less over 7 years. In every year shown, renting has a lower net cost than owning, and buying remains behind throughout 30 years.
Rent. Cost of owning. Running net costs by year.
Average mortgage payment and rent in Fulshear
Year 1 monthly costs at Fulshear's typical price go beyond rent and the mortgage. Every monthly cost is shown.
| Each month, year 1 | Amount | What it is |
|---|---|---|
| Rent | $2,115 | All of it, every month |
| Mortgage payment | $2,738 | $2,413 of it is interest in year 1 |
| Property tax | $732 | 1.75% of the value a year |
| Insurance | $212 | Census median for the city |
| Upkeep | $418 | 1% of the value a year |
| Owning, cash out | $4,100 | $325 of it builds equity |
| Lost return on the down payment | $816 | What cash would earn each year at 8.3% |
| Buying costs, spread out | $209 | 3.5% of the price over 7 years |
| True cost of owning | $4,801 | Cash out, with the equity portion removed and the two items above added |
Fulshear verdict numbers
- Typical home valueZillow ZHVI, September 2026
- $502,151
- Typical rentZillow ZORI, September 2026
- $2,115 /mo
- Down payment20% avoids private mortgage insurance, which the engine does not model
- 20%
- Mortgage rateFreddie Mac Primary Mortgage Market Survey (FRED MORTGAGE30US)
- 7.24%
- Home price growthFHFA house price index, Texas, 1995 to 2025
- 4.7% a year
- Rent growthCPI rent of primary residence, yearly growth 2006 to 2026
- 3.5% a year
- Return on savings60% S&P 500 with dividends and 40% 10-year Treasuries, rebalanced yearly, 1928 to 2025
- 8.3% a year
- Property taxCensus ACS 2020-2024, Fulshear
- 1.75% of value
- Home insuranceCensus ACS 2020-2024, Fulshear
- $212 /mo
- MaintenanceFannie Mae, low end of 1% to 4%
- 1% of value a year
- Buying costsFreddie Mac, middle of 2% to 5%
- 3.5% of price
- Selling costsAgent commission plus closing costs
- 6% of price
What would turn the Fulshear result around?
Every line shows the point that changes the 7-year verdict in Fulshear. All other values stay as they are.
When renting comes out ahead
- Home prices rise at a yearly rate of less than 6.7%. Our calculation uses 4.7%, Texas's long-run rate.
- A mortgage rate above 4.23% remains in place.
- Monthly rent for a similar home is below $3,020, with the local typical figure at $2,115.
- Moving at any time during the next 30 years means owning never catches up at these figures.
Buying wins if
- Annual home price growth exceeds 6.7%.
- A mortgage rate below 4.23% is what you lock in; today's is 7.24%.
- The same home would have a monthly rent above $3,020 if you rented it.
How Fulshear compares with the other 812 cities
| Measure | Fulshear | Median city |
|---|---|---|
| Typical home value | $502,151 | $422,451 |
| Typical rent | $2,115 /mo | $1,837 /mo |
| Price-to-rent ratio | 19.8 (#339 of 813) | 18.5 |
| Home prices, last 10 years | 4.4% a year | 6.2% a year |
| Property tax | 1.75% | 0.87% |
| Households that rent | 10% | 42% |
Sources: Zillow ZHVI and ZORI, Census ACS 2020-2024.
More Texas cities
- Toss-up. Houston, TX. Renting leads by $2k.
- Rent. San Antonio, TX. Renting leads by $10k.
- Rent. Dallas, TX. Renting is ahead by $20k.
- Rent. Fort Worth, TX. Renting is ahead by $17k.
- Rent. Austin, TX. Renting is ahead by $111k.
- Toss-up. El Paso, TX. Buying is ahead by $2k.
- Rent. Arlington, TX. Renting is ahead by $34k.
- Buy. Corpus Christi, TX. Buying is ahead by $4k.
- Rent. Plano, TX. Renting is ahead by $105k.
- Toss-up. Lubbock, TX. Buying is ahead by $2k.
- Rent. Laredo, TX. Renting is ahead by $20k.
- Rent. Irving, TX. Renting leads by $36k.