Total monthly cost of ownership
Cost to Own a Home in Lake Dunlap, Texas
A $203,000 home here costs
$1,838per 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 $79,000 a year.
A standard mortgage calculator would have told you $1,107. The real number is $731 higher every month, 66% more than the payment most buyers budget for.
Compare Guadalupe County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Lake Dunlap from a five-year rolling sample, and with about 1,230 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 Guadalupe 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.
Lake Dunlap against Guadalupe County and Texas
| Measure | Lake Dunlap | Guadalupe County |
|---|---|---|
| Median home value | $202,600 | $285,900 |
| Median property tax | $2,217 | $4,270 |
| Effective tax rate | 1.094% | 1.494% |
| Median gross rent | — | $1,439 |
| Population | 1,230 | 178,368 |
The weather behind that power bill
Lake Dunlap sits in Guadalupe County, which averages a high of 97.5°F in its hottest month and a low of 40.3°F in its coldest, with 31.27" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 3,144 cooling and 1,446 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Guadalupe County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Guadalupe County
Full Guadalupe County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Lake Dunlap 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 Lake Dunlap every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Lake Dunlap I already own here and may sell
Common questions
How much does it cost to own a home in Lake Dunlap?
A $203,000 home in Lake Dunlap, Texas costs approximately $1,838 per month with 20% down at 7.24%. That is $1,107 principal and interest, $185 property tax, $134 homeowners insurance, $242 utilities and $169 set aside for maintenance.
What is the property tax rate in Lake Dunlap?
Lake Dunlap has an effective property tax rate of 1.094%, based on a median home value of $202,600 and median real estate taxes of $2,217. That is lower than the Guadalupe County average of 1.494%.
What is the average home price in Lake Dunlap?
The median owner-occupied home value in Lake Dunlap, Texas is $202,600, against $285,900 across Guadalupe County.
Is it cheaper to rent or buy in Lake Dunlap?
Rent data is not published for Lake Dunlap at this level of detail.
What salary do you need to buy a home in Lake Dunlap?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Lake Dunlap, Texas at today's rate takes a household income of roughly $79,000 a year. That covers the full $1,838 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Lake Dunlap, 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.