Total monthly cost of ownership
Cost to Own a Home in La Vernia, Texas
A $240,000 home here costs
$2,048per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,234. The real number is $815 higher every month — 66% 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.
La Vernia against Wilson County and Texas
| Measure | La Vernia | Wilson County |
|---|---|---|
| Median home value | $240,000 | $286,300 |
| Median property tax | $2,881 | $3,726 |
| Effective tax rate | 1.200% | 1.301% |
| Median gross rent | $940 | $1,069 |
| Population | 1,126 | 51,501 |
The weather behind that power bill
La Vernia sits in Wilson 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 Wilson County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Wilson County
Common questions
How much does it cost to own a home in La Vernia?
A $240,000 home in La Vernia, Texas costs approximately $2,048 per month with 20% down at 6.66%. That is $1,234 principal and interest, $240 property tax, $159 homeowners insurance, $216 utilities and $200 set aside for maintenance.
What is the property tax rate in La Vernia?
La Vernia has an effective property tax rate of 1.200%, based on a median home value of $240,000 and median real estate taxes of $2,881. That is lower than the Wilson County average of 1.301%.
What is the average home price in La Vernia?
The median owner-occupied home value in La Vernia, Texas is $240,000, against $286,300 across Wilson County.
Is it cheaper to rent or buy in La Vernia?
Median gross rent in La Vernia is $940 a month, against $2,048 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 La Vernia — 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.