Total monthly cost of ownership
Cost to Own a Home in Natalia, Texas
A $105,000 home here costs
$1,054per 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 $45,000 a year.
A standard mortgage calculator would have told you $572. The real number is $482 higher every month, 84% more than the payment most buyers budget for.
Compare Medina County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Natalia from a five-year rolling sample, and with about 1,126 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 Medina 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.
Natalia against Medina County and Texas
| Measure | Natalia | Medina County |
|---|---|---|
| Median home value | $105,000 | $220,000 |
| Median property tax | $990 | $2,881 |
| Effective tax rate | 0.943% | 1.310% |
| Median gross rent | $698 | $1,091 |
| Population | 1,126 | 52,419 |
The weather behind that power bill
Natalia sits in Medina County, which averages a high of 97.2°F in its hottest month and a low of 38.7°F in its coldest, with 24.91" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,147 cooling and 1,454 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Medina County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Medina County
Talk to someone who works this market
These are Natalia 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 Natalia every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Natalia I already own here and may sell
Common questions
How much does it cost to own a home in Natalia?
A $105,000 home in Natalia, Texas costs approximately $1,054 per month with 20% down at 7.24%. That is $572 principal and interest, $83 property tax, $69 homeowners insurance, $242 utilities and $88 set aside for maintenance.
What is the property tax rate in Natalia?
Natalia has an effective property tax rate of 0.943%, based on a median home value of $105,000 and median real estate taxes of $990. That is lower than the Medina County average of 1.310%.
What is the average home price in Natalia?
The median owner-occupied home value in Natalia, Texas is $105,000, against $220,000 across Medina County.
Is it cheaper to rent or buy in Natalia?
Median gross rent in Natalia is $698 a month, against $1,054 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 Natalia?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Natalia, Texas at today's rate takes a household income of roughly $45,000 a year. That covers the full $1,054 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Natalia, 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.