Total monthly cost of ownership
Cost to Own a Home in Manchaca, Texas
A $542,000 home here costs
$4,494per 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 $192,500 a year.
A standard mortgage calculator would have told you $2,955. The real number is $1,539 higher every month, 52% more than the payment most buyers budget for.
Compare Travis County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Manchaca from a five-year rolling sample, and with about 2,002 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 Travis 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.
Manchaca against Travis County and Texas
| Measure | Manchaca | Travis County |
|---|---|---|
| Median home value | $541,800 | $487,600 |
| Median property tax | $5,828 | $7,487 |
| Effective tax rate | 1.076% | 1.535% |
| Median gross rent | $2,579 | $1,669 |
| Population | 2,002 | 1,307,625 |
The weather behind that power bill
Manchaca sits in Travis County, which averages a high of 97.0°F in its hottest month and a low of 37.7°F in its coldest, with 35.57" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,996 cooling and 1,718 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Travis County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Travis County
Talk to someone who works this market
These are Manchaca 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 Manchaca every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Manchaca?
A $542,000 home in Manchaca, Texas costs approximately $4,494 per month with 20% down at 7.24%. That is $2,955 principal and interest, $486 property tax, $359 homeowners insurance, $242 utilities and $452 set aside for maintenance.
What is the property tax rate in Manchaca?
Manchaca has an effective property tax rate of 1.076%, based on a median home value of $541,800 and median real estate taxes of $5,828. That is lower than the Travis County average of 1.535%.
What is the average home price in Manchaca?
The median owner-occupied home value in Manchaca, Texas is $541,800, against $487,600 across Travis County.
Is it cheaper to rent or buy in Manchaca?
Median gross rent in Manchaca is $2,579 a month, against $4,494 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Manchaca?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Manchaca, Texas at today's rate takes a household income of roughly $192,500 a year. That covers the full $4,494 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Manchaca, 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.