Total monthly cost of ownership
Cost to Own a Home in Bulverde, Texas
A $380,000 home here costs
$3,125per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,954. The real number is $1,171 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.
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 $148 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
Common questions
How much does it cost to own a home in Bulverde?
A $380,000 home in Bulverde, Texas costs approximately $3,125 per month with 20% down at 6.66%. That is $1,954 principal and interest, $387 property tax, $251 homeowners insurance, $216 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 $3,125 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 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.