Total monthly cost of ownership
Cost to Own a Home in Garden Ridge, Texas
A $618,000 home here costs
$5,238per 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 $224,500 a year.
A standard mortgage calculator would have told you $3,369. The real number is $1,869 higher every month, 55% more than the payment most buyers budget for.
Compare Comal County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Garden Ridge from a five-year rolling sample, and with about 4,243 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 Comal 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.
Garden Ridge against Comal County and Texas
| Measure | Garden Ridge | Comal County |
|---|---|---|
| Median home value | $618,100 | $398,800 |
| Median property tax | $8,431 | $4,827 |
| Effective tax rate | 1.364% | 1.210% |
| Median gross rent | — | $1,460 |
| Population | 4,243 | 174,552 |
The weather behind that power bill
Garden Ridge sits in Comal County, which averages a high of 95.6°F in its hottest month and a low of 39.8°F in its coldest, with 37.84" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 2,834 cooling and 1,672 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Comal County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Comal County
Talk to someone who works this market
These are Garden Ridge 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 Garden Ridge every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Garden Ridge I already own here and may sell
Common questions
How much does it cost to own a home in Garden Ridge?
A $618,000 home in Garden Ridge, Texas costs approximately $5,238 per month with 20% down at 7.24%. That is $3,369 principal and interest, $702 property tax, $409 homeowners insurance, $242 utilities and $515 set aside for maintenance.
What is the property tax rate in Garden Ridge?
Garden Ridge has an effective property tax rate of 1.364%, based on a median home value of $618,100 and median real estate taxes of $8,431. That is higher than the Comal County average of 1.210%.
What is the average home price in Garden Ridge?
The median owner-occupied home value in Garden Ridge, Texas is $618,100, against $398,800 across Comal County.
Is it cheaper to rent or buy in Garden Ridge?
Rent data is not published for Garden Ridge at this level of detail.
What salary do you need to buy a home in Garden Ridge?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Garden Ridge, Texas at today's rate takes a household income of roughly $224,500 a year. That covers the full $5,238 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Garden Ridge, 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.