Total monthly cost of ownership
Cost to Own a Home in Castroville, Texas
A $266,000 home here costs
$2,311per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,368. The real number is $943 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.
Castroville against Medina County and Texas
| Measure | Castroville | Medina County |
|---|---|---|
| Median home value | $266,000 | $220,000 |
| Median property tax | $3,956 | $2,881 |
| Effective tax rate | 1.487% | 1.310% |
| Median gross rent | $1,184 | $1,091 |
| Population | 3,027 | 52,419 |
The weather behind that power bill
Castroville sits in Medina County, which averages a high of 97.2°F in its hottest month and a low of 38.7°F in its coldest, with 24.91" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,147 cooling and 1,454 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Medina County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Medina County
Common questions
How much does it cost to own a home in Castroville?
A $266,000 home in Castroville, Texas costs approximately $2,311 per month with 20% down at 6.66%. That is $1,368 principal and interest, $330 property tax, $176 homeowners insurance, $216 utilities and $222 set aside for maintenance.
What is the property tax rate in Castroville?
Castroville has an effective property tax rate of 1.487%, based on a median home value of $266,000 and median real estate taxes of $3,956. That is higher than the Medina County average of 1.310%.
What is the average home price in Castroville?
The median owner-occupied home value in Castroville, Texas is $266,000, against $220,000 across Medina County.
Is it cheaper to rent or buy in Castroville?
Median gross rent in Castroville is $1,184 a month, against $2,311 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 Castroville — 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.