Total monthly cost of ownership
Cost to Own a Home in Karnes City, Texas
A $90,000 home here costs
$961per 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 $41,000 a year.
A standard mortgage calculator would have told you $491. The real number is $471 higher every month, 96% more than the payment most buyers budget for.
Compare Karnes County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Karnes City from a five-year rolling sample, and with about 3,101 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 Karnes 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.
Karnes City against Karnes County and Texas
| Measure | Karnes City | Karnes County |
|---|---|---|
| Median home value | $90,400 | $136,900 |
| Median property tax | $1,131 | $1,344 |
| Effective tax rate | 1.251% | 0.982% |
| Median gross rent | $669 | $872 |
| Population | 3,101 | 14,819 |
The weather behind that power bill
Karnes City sits in Karnes County, which averages a high of 97.6°F in its hottest month and a low of 39.0°F in its coldest, with 31.63" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 3,178 cooling and 1,472 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Karnes County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Karnes County
Talk to someone who works this market
These are Karnes 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 Karnes City 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 Karnes City?
A $90,000 home in Karnes City, Texas costs approximately $961 per month with 20% down at 7.24%. That is $491 principal and interest, $94 property tax, $60 homeowners insurance, $242 utilities and $75 set aside for maintenance.
What is the property tax rate in Karnes City?
Karnes City has an effective property tax rate of 1.251%, based on a median home value of $90,400 and median real estate taxes of $1,131. That is higher than the Karnes County average of 0.982%.
What is the average home price in Karnes City?
The median owner-occupied home value in Karnes City, Texas is $90,400, against $136,900 across Karnes County.
Is it cheaper to rent or buy in Karnes City?
Median gross rent in Karnes City is $669 a month, against $961 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 Karnes City?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Karnes City, Texas at today's rate takes a household income of roughly $41,000 a year. That covers the full $961 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Karnes 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.