Total monthly cost of ownership
Cost to Own a Home in Kyle, Texas
A $302,000 home here costs
$2,724per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,553. The real number is $1,171 higher every month — 75% 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.
Kyle against Hays County and Texas
| Measure | Kyle | Hays County |
|---|---|---|
| Median home value | $302,200 | $371,400 |
| Median property tax | $6,051 | $6,420 |
| Effective tax rate | 2.002% | 1.729% |
| Median gross rent | $1,661 | $1,417 |
| Population | 52,439 | 256,429 |
The weather behind that power bill
Kyle sits in Hays County, which averages a high of 95.4°F in its hottest month and a low of 38.9°F in its coldest, with 35.7" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,709 cooling and 1,811 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Hays County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hays County
Common questions
How much does it cost to own a home in Kyle?
A $302,000 home in Kyle, Texas costs approximately $2,724 per month with 20% down at 6.66%. That is $1,553 principal and interest, $504 property tax, $200 homeowners insurance, $216 utilities and $252 set aside for maintenance.
What is the property tax rate in Kyle?
Kyle has an effective property tax rate of 2.002%, based on a median home value of $302,200 and median real estate taxes of $6,051. That is higher than the Hays County average of 1.729%.
What is the average home price in Kyle?
The median owner-occupied home value in Kyle, Texas is $302,200, against $371,400 across Hays County.
Is it cheaper to rent or buy in Kyle?
Median gross rent in Kyle is $1,661 a month, against $2,724 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 Kyle — 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.