Total monthly cost of ownership
Cost to Own a Home in Edna, Texas
A $118,000 home here costs
$1,134per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $607. The real number is $527 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.
Edna against Jackson County and Texas
| Measure | Edna | Jackson County |
|---|---|---|
| Median home value | $117,500 | $175,500 |
| Median property tax | $1,614 | $1,847 |
| Effective tax rate | 1.374% | 1.052% |
| Median gross rent | $1,090 | $1,011 |
| Population | 5,994 | 15,081 |
The weather behind that power bill
Edna sits in Jackson County, which averages a high of 95.5°F in its hottest month and a low of 43.6°F in its coldest, with 40.41" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 3,286 cooling and 1,168 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Jackson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Jackson County
Common questions
How much does it cost to own a home in Edna?
A $118,000 home in Edna, Texas costs approximately $1,134 per month with 20% down at 6.66%. That is $607 principal and interest, $135 property tax, $78 homeowners insurance, $216 utilities and $98 set aside for maintenance.
What is the property tax rate in Edna?
Edna has an effective property tax rate of 1.374%, based on a median home value of $117,500 and median real estate taxes of $1,614. That is higher than the Jackson County average of 1.052%.
What is the average home price in Edna?
The median owner-occupied home value in Edna, Texas is $117,500, against $175,500 across Jackson County.
Is it cheaper to rent or buy in Edna?
Median gross rent in Edna is $1,090 a month, against $1,134 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 Edna — 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.