Total monthly cost of ownership
Cost to Own a Home in Johnson City, Texas
A $349,000 home here costs
$3,094per 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 $132,500 a year.
A standard mortgage calculator would have told you $1,903. The real number is $1,191 higher every month, 63% more than the payment most buyers budget for.
Compare Blanco County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Johnson City from a five-year rolling sample, and with about 1,952 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 Blanco 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.
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 $174 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
Talk to someone who works this market
These are Johnson City 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 Johnson City every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Johnson City I already own here and may sell
Common questions
How much does it cost to own a home in Johnson City?
A $349,000 home in Johnson City, Texas costs approximately $3,094 per month with 20% down at 7.24%. That is $1,903 principal and interest, $427 property tax, $231 homeowners insurance, $242 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 $3,094 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 Johnson City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Johnson City, Texas at today's rate takes a household income of roughly $132,500 a year. That covers the full $3,094 monthly cost, not just the mortgage payment.
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.