Total monthly cost of ownership
Cost to Own a Home in Buda, Texas
A $410,000 home here costs
$3,566per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,108. The real number is $1,458 higher every month — 69% 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.
Buda against Hays County and Texas
| Measure | Buda | Hays County |
|---|---|---|
| Median home value | $410,100 | $371,400 |
| Median property tax | $7,548 | $6,420 |
| Effective tax rate | 1.841% | 1.729% |
| Median gross rent | $1,785 | $1,417 |
| Population | 15,487 | 256,429 |
The weather behind that power bill
Buda 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 Buda?
A $410,000 home in Buda, Texas costs approximately $3,566 per month with 20% down at 6.66%. That is $2,108 principal and interest, $629 property tax, $271 homeowners insurance, $216 utilities and $342 set aside for maintenance.
What is the property tax rate in Buda?
Buda has an effective property tax rate of 1.841%, based on a median home value of $410,100 and median real estate taxes of $7,548. That is higher than the Hays County average of 1.729%.
What is the average home price in Buda?
The median owner-occupied home value in Buda, Texas is $410,100, against $371,400 across Hays County.
Is it cheaper to rent or buy in Buda?
Median gross rent in Buda is $1,785 a month, against $3,566 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 Buda — 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.