Total monthly cost of ownership
Cost to Own a Home in Johnson City, Texas
A $349,000 home here costs
$2,958per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,794. The real number is $1,164 higher every month — 65% 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.
Johnson City against Blanco County and Texas
| Measure | Johnson City | Blanco County |
|---|---|---|
| Median home value | $348,500 | $396,200 |
| Median property tax | $5,112 | $4,134 |
| Effective tax rate | 1.467% | 1.043% |
| Median gross rent | $1,012 | $920 |
| Population | 1,952 | 12,008 |
The weather behind that power bill
Johnson City sits in Blanco County, which averages a high of 96.6°F in its hottest month and a low of 35.1°F in its coldest, with 33.02" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,689 cooling and 1,940 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Blanco County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Blanco County
Common questions
How much does it cost to own a home in Johnson City?
A $349,000 home in Johnson City, Texas costs approximately $2,958 per month with 20% down at 6.66%. That is $1,794 principal and interest, $427 property tax, $231 homeowners insurance, $216 utilities and $291 set aside for maintenance.
What is the property tax rate in Johnson City?
Johnson City has an effective property tax rate of 1.467%, based on a median home value of $348,500 and median real estate taxes of $5,112. That is higher than the Blanco County average of 1.043%.
What is the average home price in Johnson City?
The median owner-occupied home value in Johnson City, Texas is $348,500, against $396,200 across Blanco County.
Is it cheaper to rent or buy in Johnson City?
Median gross rent in Johnson City is $1,012 a month, against $2,958 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 Johnson City — 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.