Total monthly cost of ownership
Cost to Own a Home in Karnes City, Texas
A $90,000 home here costs
$907per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $463. The real number is $444 higher every month — 96% 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.
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 $148 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
Common questions
How much does it cost to own a home in Karnes City?
A $90,000 home in Karnes City, Texas costs approximately $907 per month with 20% down at 6.66%. That is $463 principal and interest, $94 property tax, $60 homeowners insurance, $216 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 $907 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 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.