Total monthly cost of ownership
Cost to Own a Home in Combes, Texas
A $107,000 home here costs
$1,116per 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 $48,000 a year.
A standard mortgage calculator would have told you $583. The real number is $532 higher every month, 91% more than the payment most buyers budget for.
Compare Cameron County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Combes from a five-year rolling sample, and with about 3,157 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The Cameron County figures are drawn from a far larger sample if you want a steadier number.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Combes against Cameron County and Texas
| Measure | Combes | Cameron County |
|---|---|---|
| Median home value | $106,800 | $120,000 |
| Median property tax | $1,556 | $1,946 |
| Effective tax rate | 1.457% | 1.622% |
| Median gross rent | $823 | $899 |
| Population | 3,157 | 423,192 |
The weather behind that power bill
Combes sits in Cameron County, which averages a high of 93.4°F in its hottest month and a low of 51.9°F in its coldest, with 23.25" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 4,140 cooling and 527 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Cameron County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cameron County
Talk to someone who works this market
These are Combes 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 Combes every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Combes I already own here and may sell
Common questions
How much does it cost to own a home in Combes?
A $107,000 home in Combes, Texas costs approximately $1,116 per month with 20% down at 7.24%. That is $583 principal and interest, $130 property tax, $71 homeowners insurance, $242 utilities and $89 set aside for maintenance.
What is the property tax rate in Combes?
Combes has an effective property tax rate of 1.457%, based on a median home value of $106,800 and median real estate taxes of $1,556. That is lower than the Cameron County average of 1.622%.
What is the average home price in Combes?
The median owner-occupied home value in Combes, Texas is $106,800, against $120,000 across Cameron County.
Is it cheaper to rent or buy in Combes?
Median gross rent in Combes is $823 a month, against $1,116 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 Combes?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Combes, Texas at today's rate takes a household income of roughly $48,000 a year. That covers the full $1,116 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Combes, 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.