Total monthly cost of ownership
Cost to Own a Home in Belterra, Texas
A $658,000 home here costs
$5,415per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,383. The real number is $2,032 higher every month — 60% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Belterra against Hays County and Texas
| Measure | Belterra | Hays County |
|---|---|---|
| Median home value | $658,400 | $371,400 |
| Median property tax | $10,001 | $6,420 |
| Effective tax rate | 1.519% | 1.729% |
| Median gross rent | $2,789 | $1,417 |
| Population | 7,190 | 256,429 |
The weather behind that power bill
Belterra sits in Hays County, which averages a high of 95.4°F in its hottest month and a low of 38.9°F in its coldest, with 35.7" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,709 cooling and 1,811 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Hays County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hays County
Common questions
How much does it cost to own a home in Belterra?
A $658,000 home in Belterra, Texas costs approximately $5,415 per month with 20% down at 6.66%. That is $3,383 principal and interest, $833 property tax, $435 homeowners insurance, $216 utilities and $548 set aside for maintenance.
What is the property tax rate in Belterra?
Belterra has an effective property tax rate of 1.519%, based on a median home value of $658,400 and median real estate taxes of $10,001. That is lower than the Hays County average of 1.729%.
What is the average home price in Belterra?
The median owner-occupied home value in Belterra, Texas is $658,400, against $371,400 across Hays County.
Is it cheaper to rent or buy in Belterra?
Median gross rent in Belterra is $2,789 a month, against $5,415 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Belterra — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Texas.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.