Total monthly cost of ownership
Cost to Own a Home in Bulverde, Texas
A $380,000 home here costs
$3,270per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $140,000 a year.
A standard mortgage calculator would have told you $2,072. The real number is $1,198 higher every month, 58% more than the payment most buyers budget for.
Compare Comal County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bulverde against Comal County and Texas
| Measure | Bulverde | Comal County |
|---|---|---|
| Median home value | $380,100 | $398,800 |
| Median property tax | $4,647 | $4,827 |
| Effective tax rate | 1.223% | 1.210% |
| Median gross rent | $1,451 | $1,460 |
| Population | 6,164 | 174,552 |
The weather behind that power bill
Bulverde sits in Comal County, which averages a high of 95.6°F in its hottest month and a low of 39.8°F in its coldest, with 37.84" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,834 cooling and 1,672 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Comal County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Comal County
Talk to someone who works this market
These are Bulverde averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works Bulverde every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Bulverde I already own here and may sell
Common questions
How much does it cost to own a home in Bulverde?
A $380,000 home in Bulverde, Texas costs approximately $3,270 per month with 20% down at 7.24%. That is $2,072 principal and interest, $387 property tax, $251 homeowners insurance, $242 utilities and $317 set aside for maintenance.
What is the property tax rate in Bulverde?
Bulverde has an effective property tax rate of 1.223%, based on a median home value of $380,100 and median real estate taxes of $4,647. That is higher than the Comal County average of 1.210%.
What is the average home price in Bulverde?
The median owner-occupied home value in Bulverde, Texas is $380,100, against $398,800 across Comal County.
Is it cheaper to rent or buy in Bulverde?
Median gross rent in Bulverde is $1,451 a month, against $3,270 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Bulverde?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Bulverde, Texas at today's rate takes a household income of roughly $140,000 a year. That covers the full $3,270 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bulverde, 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.