Total monthly cost of ownership
Cost to Own a Home in Garden Ridge, Texas
A $618,000 home here costs
$5,019per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $3,177. The real number is $1,842 higher every month — 58% 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.
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 $148 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
Common questions
How much does it cost to own a home in Garden Ridge?
A $618,000 home in Garden Ridge, Texas costs approximately $5,019 per month with 20% down at 6.66%. That is $3,177 principal and interest, $702 property tax, $409 homeowners insurance, $216 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.
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.