Total monthly cost of ownership
Cost to Own a Home in Cienegas Terrace, Texas
A $98,000 home here costs
$940per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $504. The real number is $436 higher every month — 87% 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.
Cienegas Terrace against Val Verde County and Texas
| Measure | Cienegas Terrace | Val Verde County |
|---|---|---|
| Median home value | $97,600 | $151,500 |
| Median property tax | $884 | $2,233 |
| Effective tax rate | 0.906% | 1.474% |
| Median gross rent | $956 | $956 |
| Population | 1,703 | 47,647 |
The weather behind that power bill
Cienegas Terrace sits in Val Verde County, which averages a high of 96.0°F in its hottest month and a low of 35.3°F in its coldest, with 20.76" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,893 cooling and 1,796 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Val Verde County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Val Verde County
Full Val Verde County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Cienegas Terrace?
A $98,000 home in Cienegas Terrace, Texas costs approximately $940 per month with 20% down at 6.66%. That is $504 principal and interest, $74 property tax, $65 homeowners insurance, $216 utilities and $82 set aside for maintenance.
What is the property tax rate in Cienegas Terrace?
Cienegas Terrace has an effective property tax rate of 0.906%, based on a median home value of $97,600 and median real estate taxes of $884. That is lower than the Val Verde County average of 1.474%.
What is the average home price in Cienegas Terrace?
The median owner-occupied home value in Cienegas Terrace, Texas is $97,600, against $151,500 across Val Verde County.
Is it cheaper to rent or buy in Cienegas Terrace?
Median gross rent in Cienegas Terrace is $956 a month, against $940 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cienegas Terrace — 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.