Last updated October 2026
The real monthly cost of owning a median-priced Cedar Park, TX home is about $3,490 a month with 20% down, before HOA dues. That's roughly $2,555 in principal and interest, $642 in property taxes, and $291 in homeowners insurance, using a $465,000 home, the 7.32% average 30-year rate from October 22, 2026, and the 2026 tax rates inside Cedar Park city limits in Leander ISD.
Key takeaways
- A $465,000 Cedar Park home with 20% down runs about $3,490 a month for the mortgage, taxes, and insurance, before HOA dues.
- Property taxes inside Cedar Park city limits in Leander ISD stack to about $2.02 per $100 of value for 2026.
- Filing your homestead exemption cuts that tax bill from about $783 a month to about $642 on a $465,000 home.
- A MUD can add about $106 to $229 a month on the same home, so check the district before you write an offer.
- HOA dues sit on top of all of it, and the resale certificate shows the exact amount.
What makes up the monthly cost of a Cedar Park home?
Four things: principal and interest, property taxes, homeowners insurance, and HOA dues if the neighborhood has one. Most buyers budget for the mortgage and stop there. In Cedar Park, taxes and insurance add more than $900 a month on a median-priced home.
Here's the math on a $465,000 home, which is about where Redfin put Cedar Park's median sale price in September 2026 ($464,779). Put 20% down, or $93,000, and borrow $372,000.
- Principal and interest: $2,555 a month at 7.32%, Freddie Mac's 30-year average as of October 22, 2026.
- Property taxes: $642 a month with a homestead exemption, at the 2026 rates below.
- Homeowners insurance: $291 a month, based on the Texas Department of Insurance's average premium of $3,489 a year (2025, preliminary).
- Total: about $3,490 a month, before HOA dues and before any MUD tax.
Put less than 20% down and you'll likely add mortgage insurance on top. Your own rate, credit, and loan type change the first line more than anything else.
How much are property taxes in Cedar Park, TX?
Inside Cedar Park city limits in Leander ISD, the 2026 property tax rates add up to about $2.02 per $100 of taxable value. On a $465,000 home with a homestead exemption, that's about $7,707 a year, or $642 a month.
Here's the stack for 2026:
- City of Cedar Park: $0.377930, adopted September 10, 2026.
- Williamson County: $0.421547, adopted September 1, 2026.
- Leander ISD: $1.1169, if voters approve the district's November 3, 2026 school funding election. If it fails, the rate is $1.0869, and that same home's taxes drop to about $634 a month.
- Austin Community College: $0.103643.
The exemptions are what move the number. Every Texas school district has to exempt $140,000 of a homestead's value. Williamson County exempts 5% (at least $5,000), and the City of Cedar Park and ACC each exempt $5,000 on a home under $500,000.
Skip the homestead filing and the same home owes about $9,393 a year, or $783 a month. You apply with your appraisal district, and the general deadline is before May 1.
Not every Cedar Park address has this exact stack. Part of the city sits in Travis County, and both the Williamson and Travis appraisal districts value Cedar Park property. Check the school district too. Round Rock ISD's 2026 rate is $0.9484 if voters approve its own November 3 election, so a Cedar Park area home in Round Rock ISD has a different total.
How much is homeowners insurance on a Cedar Park home?
Plan on about $291 a month until you have a real quote. That figure is the Texas Department of Insurance's statewide average homeowners premium, $3,489 a year for 2025, and it's preliminary.
Your quote can land well above or below it. The house, the roof, the deductible, and the company all change the price. TDI tells consumers to shop around, ask about discounts, and pick deductibles carefully. You can compare policies sold in your area at HelpInsure.com.
Get at least one quote during your option period, not the week before closing. Your lender will want proof of coverage before you close.
Do Cedar Park homes have MUD taxes or other district fees?
Some do. The City of Cedar Park's own map layer of municipal utility districts shows three: Williamson-Travis Counties MUD No. 1, Ranch at Cypress Creek MUD No. 1, and Block House MUD.
A MUD tax lands on top of everything above:
- Williamson-Travis Counties MUD No. 1 set its 2026 rate at $0.2734 per $100. On a $465,000 home, that's about $106 a month.
- Block House MUD adopted $0.5910 per $100 on September 9, 2026. On the same home, that's about $229 a month.
Those figures are before any exemption a district might offer. Ask for the exact number on the address you want.
Two older districts work differently. Cedar Park annexed Twin Creeks WCID 1F, Twin Creeks WCID 1G, and Bella Vista MUD in 2014. Their residents pay a monthly utility debt service fee on the water bill: $22, $44, and $22.50 a month, for up to 15 years.
Texas law has your back here. A seller in a MUD has to hand you a written notice before you sign a binding contract. If they don't, you can terminate. Homes in a public improvement district (PID) get a separate seller notice about the assessment.
How do HOA dues change the monthly number?
HOA dues sit on top of your payment, and they can be the line that tips your budget. The resale certificate tells you the exact amount.
Under Texas law, the HOA has 10 business days to deliver it after a written request. It has to show the regular assessments, any approved special assessments, and the transfer fees. The HOA can charge up to $375 for it. Read it before your option period ends.
How do you figure the real monthly cost of a specific Cedar Park house?
Look up the address, list every taxing unit, and run the math before you tour.
- Pull the property on williamsonpropertytaxes.org, or on your appraisal district's site if it's in Travis County. It lists every taxing unit and its 2026 rate for that exact address.
- Check for a MUD or PID line, and ask the seller for the district notices early.
- Get an insurance quote on that address.
- Ask the listing agent for the HOA dues and request the resale certificate once you're under contract.
- Add it all to your principal and interest, and divide the annual numbers by 12.
Run the number before you fall in love with a house, not after.
Frequently asked questions
What is the monthly cost of owning a home in Cedar Park, TX?
About $3,490 a month on a $465,000 Cedar Park home with 20% down, before HOA dues. That covers $2,555 in principal and interest at the 7.32% average rate from October 22, 2026, about $642 in property taxes with a homestead exemption, and $291 for insurance based on the Texas average premium. A MUD or HOA adds more.
What is the property tax rate in Cedar Park, TX?
For 2026, a Cedar Park home inside city limits in Leander ISD pays about $2.02 per $100 of value. That's the City of Cedar Park at $0.377930, Williamson County at $0.421547, Leander ISD at $1.1169 if its November 3 election passes, and Austin Community College at $0.103643. Homes in Travis County, Round Rock ISD, or a MUD pay a different total.
Do Cedar Park, TX homes have MUD taxes?
Some Cedar Park area homes do. The City of Cedar Park's MUD map shows Williamson-Travis Counties MUD No. 1, Ranch at Cypress Creek MUD No. 1, and Block House MUD. In 2026, WTCMUD No. 1's rate is $0.2734 per $100 and Block House MUD's is $0.5910, or about $106 to $229 a month on a $465,000 home. Sellers must give a MUD notice.
How much does a homestead exemption save in Cedar Park, TX?
On a $465,000 Cedar Park home in Leander ISD, a homestead exemption cuts 2026 property taxes from about $9,393 a year to about $7,707, roughly $140 a month. Most of the savings comes from the $140,000 school district exemption. Williamson County, the City of Cedar Park, and ACC add smaller exemptions. File with your appraisal district before May 1.
