Total monthly cost of ownership
Cost to Own a Home in Castle Hills, Texas
A $429,000 home here costs
$3,831per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,205. The real number is $1,625 higher every month — 74% 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.
Castle Hills against Bexar County and Texas
| Measure | Castle Hills | Bexar County |
|---|---|---|
| Median home value | $429,000 | $244,100 |
| Median property tax | $9,216 | $4,429 |
| Effective tax rate | 2.148% | 1.814% |
| Median gross rent | $1,418 | $1,290 |
| Population | 3,961 | 2,037,344 |
The weather behind that power bill
Castle Hills sits in Bexar County, which averages a high of 97.5°F in its hottest month and a low of 40.3°F in its coldest, with 31.27" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 3,144 cooling and 1,446 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Bexar County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bexar County
Common questions
How much does it cost to own a home in Castle Hills?
A $429,000 home in Castle Hills, Texas costs approximately $3,831 per month with 20% down at 6.66%. That is $2,205 principal and interest, $768 property tax, $284 homeowners insurance, $216 utilities and $358 set aside for maintenance.
What is the property tax rate in Castle Hills?
Castle Hills has an effective property tax rate of 2.148%, based on a median home value of $429,000 and median real estate taxes of $9,216. That is higher than the Bexar County average of 1.814%.
What is the average home price in Castle Hills?
The median owner-occupied home value in Castle Hills, Texas is $429,000, against $244,100 across Bexar County.
Is it cheaper to rent or buy in Castle Hills?
Median gross rent in Castle Hills is $1,418 a month, against $3,831 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 Castle Hills — 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.