Total monthly cost of ownership
Cost to Own a Home in Ingram, Texas
A $165,000 home here costs
$1,502per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $848. The real number is $654 higher every month — 77% 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.
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 $148 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
Common questions
How much does it cost to own a home in Ingram?
A $165,000 home in Ingram, Texas costs approximately $1,502 per month with 20% down at 6.66%. That is $848 principal and interest, $191 property tax, $109 homeowners insurance, $216 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 $1,502 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 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.