Total monthly cost of ownership
Cost to Own a Home in Ozona, Texas
A $136,000 home here costs
$1,156per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $699. The real number is $457 higher every month — 65% 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.
Ozona against Crockett County and Texas
| Measure | Ozona | Crockett County |
|---|---|---|
| Median home value | $136,000 | $140,000 |
| Median property tax | — | $466 |
| Effective tax rate | 0.333% | 0.333% |
| Median gross rent | $585 | $585 |
| Population | 2,485 | 2,881 |
The weather behind that power bill
Ozona sits in Crockett County, which averages a high of 94.4°F in its hottest month and a low of 30.0°F in its coldest, with 19.84" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,368 cooling and 2,485 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Crockett County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Crockett County
No other places of this size are published in Crockett County.
Common questions
How much does it cost to own a home in Ozona?
A $136,000 home in Ozona, Texas costs approximately $1,156 per month with 20% down at 6.66%. That is $699 principal and interest, $38 property tax, $90 homeowners insurance, $216 utilities and $113 set aside for maintenance.
What is the property tax rate in Ozona?
Place-level tax data is not published for Ozona, so the Crockett County rate of 0.333% applies here.
What is the average home price in Ozona?
The median owner-occupied home value in Ozona, Texas is $136,000, against $140,000 across Crockett County.
Is it cheaper to rent or buy in Ozona?
Median gross rent in Ozona is $585 a month, against $1,156 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 Ozona — 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.