Total monthly cost of ownership
Cost to Own a Home in Odem, Texas
A $138,000 home here costs
$1,325per 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 $57,000 a year.
A standard mortgage calculator would have told you $752. The real number is $573 higher every month, 76% more than the payment most buyers budget for.
Compare San Patricio County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Odem from a five-year rolling sample, and with about 2,128 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 San Patricio 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.
Odem against San Patricio County and Texas
| Measure | Odem | San Patricio County |
|---|---|---|
| Median home value | $137,500 | $180,400 |
| Median property tax | $1,486 | $2,754 |
| Effective tax rate | 1.081% | 1.527% |
| Median gross rent | $737 | $1,239 |
| Population | 2,128 | 69,519 |
The weather behind that power bill
Odem sits in San Patricio County, which averages a high of 94.6°F in its hottest month and a low of 44.9°F in its coldest, with 32.96" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 3,419 cooling and 1,011 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for San Patricio County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Patricio County
Full San Patricio County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Odem 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 Odem every week. Free, no obligation, and we never sell your details to a list.
Common questions
How much does it cost to own a home in Odem?
A $138,000 home in Odem, Texas costs approximately $1,325 per month with 20% down at 7.24%. That is $752 principal and interest, $124 property tax, $91 homeowners insurance, $242 utilities and $115 set aside for maintenance.
What is the property tax rate in Odem?
Odem has an effective property tax rate of 1.081%, based on a median home value of $137,500 and median real estate taxes of $1,486. That is lower than the San Patricio County average of 1.527%.
What is the average home price in Odem?
The median owner-occupied home value in Odem, Texas is $137,500, against $180,400 across San Patricio County.
Is it cheaper to rent or buy in Odem?
Median gross rent in Odem is $737 a month, against $1,325 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 Odem?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Odem, Texas at today's rate takes a household income of roughly $57,000 a year. That covers the full $1,325 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Odem, 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.