It depends on several factors eg. which lighting system (MH, T5, LED?), volume of water, your garage orientation and wall insulation.. But generally it will be hot for Houston summer, and winter heating could also add costs.
I have my entire 220 gal tank/sump/ and a frag tank in the garage. I have a 1/2hp chiller for the whole system, with the garage door slightly open to let the hot air venting out. In the peak of the summer it runs almost nonstop in the afternoon w/ all 3 MHs on. I have to start raising my tank temperature controll from 82F in May and all the way to ~86-87F some time in late August or early Sept. Yeah corals (even SPS) can live in 87F
that's why when my chiller system failed this past July and my tank temperature went all the way to 89F for a while and most of the corals doing fine except for a few new pieces that were not used to such high temp swings.
I have 4 250W heaters in the sump to keep the tank warm in the winter. During the cold days, these heaters are on most of the time... so still cost me a lot of electricity due to that 1000W of heater. Even with that much heater wattage, it's not enough to keep up with the cold weather (below 45F) if the cold temp stays for several days or weeks. In fact, I was on vacation in Orlando this past Chrismast. Knowing the cold front coming by that week, i was quite worry about the tank when checking my tank temperature through the internet (with help w/ my AC3pro). The controller is set at 78F, but the tank temp still dropped from 78F during noon down to 72-73F at ~ 4-5am. So, I had to remotely turn on my MH light early in the morning at 8am to help the heating process, the heaters alone couldn't do it! Had to leave the MH on until midnite to get the tank temp up to 79 F before it started to drop again during the night time.
So you should think about the electricity cost if you are going to build a large system in the garage. A small frag tank may be ok with some fans on..