Total monthly cost of ownership
Cost to Own a Home in Cotulla, Texas
A $79,000 home here costs
$928per 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 $40,000 a year.
A standard mortgage calculator would have told you $431. The real number is $498 higher every month, 116% more than the payment most buyers budget for.
Compare La Salle County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Cotulla from a five-year rolling sample, and with about 3,690 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 La Salle 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.
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 $174 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.
Talk to someone who works this market
These are Cotulla 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 Cotulla every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Cotulla I already own here and may sell
Common questions
How much does it cost to own a home in Cotulla?
A $79,000 home in Cotulla, Texas costs approximately $928 per month with 20% down at 7.24%. That is $431 principal and interest, $137 property tax, $52 homeowners insurance, $242 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.
What salary do you need to buy a home in Cotulla?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Cotulla, Texas at today's rate takes a household income of roughly $40,000 a year. That covers the full $928 monthly cost, not just the mortgage payment.
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.