Total monthly cost of ownership
Cost to Own a Home in Dilley, Texas
A $110,000 home here costs
$1,055per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $566. The real number is $489 higher every month — 87% 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.
Dilley against Frio County and Texas
| Measure | Dilley | Frio County |
|---|---|---|
| Median home value | $109,900 | $110,100 |
| Median property tax | $1,308 | $1,751 |
| Effective tax rate | 1.190% | 1.590% |
| Median gross rent | $850 | $1,006 |
| Population | 3,312 | 18,019 |
The weather behind that power bill
Dilley sits in Frio County, which averages a high of 97.8°F in its hottest month and a low of 41.7°F in its coldest, with 25.01" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 3,456 cooling and 1,243 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Frio County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Frio County
Common questions
How much does it cost to own a home in Dilley?
A $110,000 home in Dilley, Texas costs approximately $1,055 per month with 20% down at 6.66%. That is $566 principal and interest, $109 property tax, $73 homeowners insurance, $216 utilities and $92 set aside for maintenance.
What is the property tax rate in Dilley?
Dilley has an effective property tax rate of 1.190%, based on a median home value of $109,900 and median real estate taxes of $1,308. That is lower than the Frio County average of 1.590%.
What is the average home price in Dilley?
The median owner-occupied home value in Dilley, Texas is $109,900, against $110,100 across Frio County.
Is it cheaper to rent or buy in Dilley?
Median gross rent in Dilley is $850 a month, against $1,055 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 Dilley — 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.