Total monthly cost of ownership
Cost to Own a Home in Crystal City, Texas
A $87,000 home here costs
$906per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $447. The real number is $458 higher every month — 102% 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.
Crystal City against Zavala County and Texas
| Measure | Crystal City | Zavala County |
|---|---|---|
| Median home value | $86,500 | $88,100 |
| Median property tax | $1,342 | $1,254 |
| Effective tax rate | 1.551% | 1.423% |
| Median gross rent | $445 | $544 |
| Population | 6,241 | 9,532 |
The weather behind that power bill
Crystal City sits in Zavala County, which averages a high of 99.1°F in its hottest month and a low of 43.9°F in its coldest, with 19.46" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 3,838 cooling and 990 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Zavala County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Zavala County
Common questions
How much does it cost to own a home in Crystal City?
A $87,000 home in Crystal City, Texas costs approximately $906 per month with 20% down at 6.66%. That is $447 principal and interest, $112 property tax, $58 homeowners insurance, $216 utilities and $73 set aside for maintenance.
What is the property tax rate in Crystal City?
Crystal City has an effective property tax rate of 1.551%, based on a median home value of $86,500 and median real estate taxes of $1,342. That is higher than the Zavala County average of 1.423%.
What is the average home price in Crystal City?
The median owner-occupied home value in Crystal City, Texas is $86,500, against $88,100 across Zavala County.
Is it cheaper to rent or buy in Crystal City?
Median gross rent in Crystal City is $445 a month, against $906 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 Crystal City — 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.