Total monthly cost of ownership
Cost to Own a Home in Boerne, Texas
A $437,000 home here costs
$3,639per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,247. The real number is $1,392 higher every month — 62% 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.
Boerne against Kendall County and Texas
| Measure | Boerne | Kendall County |
|---|---|---|
| Median home value | $437,100 | $489,800 |
| Median property tax | $6,278 | $5,890 |
| Effective tax rate | 1.436% | 1.203% |
| Median gross rent | $1,577 | $1,576 |
| Population | 19,509 | 46,971 |
The weather behind that power bill
Boerne sits in Kendall County, which averages a high of 94.1°F in its hottest month and a low of 36.6°F in its coldest, with 37.52" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,480 cooling and 1,916 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Kendall County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kendall County
Common questions
How much does it cost to own a home in Boerne?
A $437,000 home in Boerne, Texas costs approximately $3,639 per month with 20% down at 6.66%. That is $2,247 principal and interest, $523 property tax, $289 homeowners insurance, $216 utilities and $364 set aside for maintenance.
What is the property tax rate in Boerne?
Boerne has an effective property tax rate of 1.436%, based on a median home value of $437,100 and median real estate taxes of $6,278. That is higher than the Kendall County average of 1.203%.
What is the average home price in Boerne?
The median owner-occupied home value in Boerne, Texas is $437,100, against $489,800 across Kendall County.
Is it cheaper to rent or buy in Boerne?
Median gross rent in Boerne is $1,577 a month, against $3,639 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 Boerne — 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.