Total monthly cost of ownership
Cost to Own a Home in Corpus Christi, Texas
A $197,000 home here costs
$1,802per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,013. The real number is $789 higher every month — 78% 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.
Corpus Christi against Nueces County and Texas
| Measure | Corpus Christi | Nueces County |
|---|---|---|
| Median home value | $197,100 | $194,700 |
| Median property tax | $3,342 | $3,268 |
| Effective tax rate | 1.696% | 1.678% |
| Median gross rent | $1,230 | $1,224 |
| Population | 317,383 | 352,829 |
Corpus Christi extends across 4 counties. Figures here use Nueces County, where most of its housing sits.
The weather behind that power bill
Corpus Christi sits in Nueces County, which averages a high of 95.0°F in its hottest month and a low of 48.0°F in its coldest, with 31.74" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 3,737 cooling and 801 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Nueces County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Nueces County
Common questions
How much does it cost to own a home in Corpus Christi?
A $197,000 home in Corpus Christi, Texas costs approximately $1,802 per month with 20% down at 6.66%. That is $1,013 principal and interest, $278 property tax, $130 homeowners insurance, $216 utilities and $164 set aside for maintenance.
What is the property tax rate in Corpus Christi?
Corpus Christi has an effective property tax rate of 1.696%, based on a median home value of $197,100 and median real estate taxes of $3,342. That is higher than the Nueces County average of 1.678%.
What is the average home price in Corpus Christi?
The median owner-occupied home value in Corpus Christi, Texas is $197,100, against $194,700 across Nueces County.
Is it cheaper to rent or buy in Corpus Christi?
Median gross rent in Corpus Christi is $1,230 a month, against $1,802 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 Corpus Christi — 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.