Total monthly cost of ownership
Cost to Own a Home in Luling, Texas
A $213,000 home here costs
$1,842per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,095. The real number is $747 higher every month — 68% 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.
Luling against Guadalupe County and Texas
| Measure | Luling | Guadalupe County |
|---|---|---|
| Median home value | $212,500 | $285,900 |
| Median property tax | $2,551 | $4,270 |
| Effective tax rate | 1.200% | 1.494% |
| Median gross rent | $1,038 | $1,439 |
| Population | 5,486 | 178,368 |
Luling extends across 2 counties. Figures here use Guadalupe County, where most of its housing sits.
The weather behind that power bill
Luling 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 $148 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
Common questions
How much does it cost to own a home in Luling?
A $213,000 home in Luling, Texas costs approximately $1,842 per month with 20% down at 6.66%. That is $1,095 principal and interest, $213 property tax, $141 homeowners insurance, $216 utilities and $178 set aside for maintenance.
What is the property tax rate in Luling?
Luling has an effective property tax rate of 1.200%, based on a median home value of $212,500 and median real estate taxes of $2,551. That is lower than the Guadalupe County average of 1.494%.
What is the average home price in Luling?
The median owner-occupied home value in Luling, Texas is $212,500, against $285,900 across Guadalupe County.
Is it cheaper to rent or buy in Luling?
Median gross rent in Luling is $1,038 a month, against $1,842 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 Luling — 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.