Total monthly cost of ownership
Cost to Own a Home in Gonzales, Texas
A $185,000 home here costs
$1,647per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $951. The real number is $696 higher every month — 73% 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.
Gonzales against Gonzales County and Texas
| Measure | Gonzales | Gonzales County |
|---|---|---|
| Median home value | $184,600 | $158,900 |
| Median property tax | $2,441 | $1,949 |
| Effective tax rate | 1.322% | 1.227% |
| Median gross rent | $713 | $837 |
| Population | 7,180 | 19,764 |
The weather behind that power bill
Gonzales sits in Gonzales County, which averages a high of 95.7°F in its hottest month and a low of 40.1°F in its coldest, with 35.93" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 3,009 cooling and 1,592 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Gonzales County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Gonzales County
No other places of this size are published in Gonzales County.
Common questions
How much does it cost to own a home in Gonzales?
A $185,000 home in Gonzales, Texas costs approximately $1,647 per month with 20% down at 6.66%. That is $951 principal and interest, $204 property tax, $122 homeowners insurance, $216 utilities and $154 set aside for maintenance.
What is the property tax rate in Gonzales?
Gonzales has an effective property tax rate of 1.322%, based on a median home value of $184,600 and median real estate taxes of $2,441. That is higher than the Gonzales County average of 1.227%.
What is the average home price in Gonzales?
The median owner-occupied home value in Gonzales, Texas is $184,600, against $158,900 across Gonzales County.
Is it cheaper to rent or buy in Gonzales?
Median gross rent in Gonzales is $713 a month, against $1,647 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 Gonzales — 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.