Total monthly cost of ownership
Cost to Own a Home in Del Rio, Texas
A $143,000 home here costs
$1,357per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $735. The real number is $622 higher every month — 85% 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.
Del Rio against Val Verde County and Texas
| Measure | Del Rio | Val Verde County |
|---|---|---|
| Median home value | $143,200 | $151,500 |
| Median property tax | $2,312 | $2,233 |
| Effective tax rate | 1.615% | 1.474% |
| Median gross rent | $892 | $956 |
| Population | 34,638 | 47,647 |
The weather behind that power bill
Del Rio sits in Val Verde County, which averages a high of 96.0°F in its hottest month and a low of 35.3°F in its coldest, with 20.76" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,893 cooling and 1,796 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Val Verde County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Val Verde County
Full Val Verde County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Del Rio?
A $143,000 home in Del Rio, Texas costs approximately $1,357 per month with 20% down at 6.66%. That is $735 principal and interest, $192 property tax, $95 homeowners insurance, $216 utilities and $119 set aside for maintenance.
What is the property tax rate in Del Rio?
Del Rio has an effective property tax rate of 1.615%, based on a median home value of $143,200 and median real estate taxes of $2,312. That is higher than the Val Verde County average of 1.474%.
What is the average home price in Del Rio?
The median owner-occupied home value in Del Rio, Texas is $143,200, against $151,500 across Val Verde County.
Is it cheaper to rent or buy in Del Rio?
Median gross rent in Del Rio is $892 a month, against $1,357 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 Del Rio — 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.