Total monthly cost of ownership
Cost to Own a Home in Cotulla, Texas
A $79,000 home here costs
$877per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $406. The real number is $471 higher every month — 116% 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.
Cotulla against La Salle County and Texas
| Measure | Cotulla | La Salle County |
|---|---|---|
| Median home value | $79,000 | $101,000 |
| Median property tax | $1,646 | $1,577 |
| Effective tax rate | 2.084% | 1.561% |
| Median gross rent | — | — |
| Population | 3,690 | 6,946 |
The weather behind that power bill
Cotulla sits in La Salle County, which averages a high of 100.3°F in its hottest month and a low of 43.9°F in its coldest, with 21.68" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,951 cooling and 1,004 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for La Salle County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in La Salle County
No other places of this size are published in La Salle County.
Common questions
How much does it cost to own a home in Cotulla?
A $79,000 home in Cotulla, Texas costs approximately $877 per month with 20% down at 6.66%. That is $406 principal and interest, $137 property tax, $52 homeowners insurance, $216 utilities and $66 set aside for maintenance.
What is the property tax rate in Cotulla?
Cotulla has an effective property tax rate of 2.084%, based on a median home value of $79,000 and median real estate taxes of $1,646. That is higher than the La Salle County average of 1.561%.
What is the average home price in Cotulla?
The median owner-occupied home value in Cotulla, Texas is $79,000, against $101,000 across La Salle County.
Is it cheaper to rent or buy in Cotulla?
Rent data is not published for Cotulla at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Cotulla — 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.