Total monthly cost of ownership
Cost to Own a Home in Ingram, Texas
A $165,000 home here costs
$1,580per 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 $67,500 a year.
A standard mortgage calculator would have told you $900. The real number is $680 higher every month, 76% more than the payment most buyers budget for.
Compare Kerr County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Ingram from a five-year rolling sample, and with about 2,092 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 Kerr 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.
Ingram against Kerr County and Texas
| Measure | Ingram | Kerr County |
|---|---|---|
| Median home value | $165,400 | $285,100 |
| Median property tax | $2,301 | $3,115 |
| Effective tax rate | 1.391% | 1.093% |
| Median gross rent | $984 | $1,079 |
| Population | 2,092 | 53,166 |
The weather behind that power bill
Ingram sits in Kerr County, which averages a high of 95.5°F in its hottest month and a low of 35.2°F in its coldest, with 36.27" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,516 cooling and 1,909 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Kerr County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Kerr County
Talk to someone who works this market
These are Ingram 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 Ingram every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Ingram?
A $165,000 home in Ingram, Texas costs approximately $1,580 per month with 20% down at 7.24%. That is $900 principal and interest, $191 property tax, $109 homeowners insurance, $242 utilities and $138 set aside for maintenance.
What is the property tax rate in Ingram?
Ingram has an effective property tax rate of 1.391%, based on a median home value of $165,400 and median real estate taxes of $2,301. That is higher than the Kerr County average of 1.093%.
What is the average home price in Ingram?
The median owner-occupied home value in Ingram, Texas is $165,400, against $285,100 across Kerr County.
Is it cheaper to rent or buy in Ingram?
Median gross rent in Ingram is $984 a month, against $1,580 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Ingram?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Ingram, Texas at today's rate takes a household income of roughly $67,500 a year. That covers the full $1,580 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Ingram, 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.