Total monthly cost of ownership
Cost to Own a Home in Comfort, Texas
A $278,000 home here costs
$2,317per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,429. The real number is $888 higher every month — 62% 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.
Comfort against Kendall County and Texas
| Measure | Comfort | Kendall County |
|---|---|---|
| Median home value | $277,900 | $489,800 |
| Median property tax | $3,079 | $5,890 |
| Effective tax rate | 1.108% | 1.203% |
| Median gross rent | $938 | $1,576 |
| Population | 1,917 | 46,971 |
The weather behind that power bill
Comfort sits in Kendall County, which averages a high of 94.1°F in its hottest month and a low of 36.6°F in its coldest, with 37.52" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 2,480 cooling and 1,916 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Kendall County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kendall County
Common questions
How much does it cost to own a home in Comfort?
A $278,000 home in Comfort, Texas costs approximately $2,317 per month with 20% down at 6.66%. That is $1,429 principal and interest, $257 property tax, $184 homeowners insurance, $216 utilities and $232 set aside for maintenance.
What is the property tax rate in Comfort?
Comfort has an effective property tax rate of 1.108%, based on a median home value of $277,900 and median real estate taxes of $3,079. That is lower than the Kendall County average of 1.203%.
What is the average home price in Comfort?
The median owner-occupied home value in Comfort, Texas is $277,900, against $489,800 across Kendall County.
Is it cheaper to rent or buy in Comfort?
Median gross rent in Comfort is $938 a month, against $2,317 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 Comfort — 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.