Total monthly cost of ownership
Cost to Own a Home in Refugio, Texas
A $85,000 home here costs
$893per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $437. The real number is $456 higher every month — 104% 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.
Refugio against Refugio County and Texas
| Measure | Refugio | Refugio County |
|---|---|---|
| Median home value | $85,000 | $94,400 |
| Median property tax | $1,356 | $1,325 |
| Effective tax rate | 1.595% | 1.404% |
| Median gross rent | $748 | $842 |
| Population | 2,729 | 6,693 |
The weather behind that power bill
Refugio sits in Refugio County, which averages a high of 95.2°F in its hottest month and a low of 44.8°F in its coldest, with 34.78" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 3,308 cooling and 1,061 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Refugio County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Refugio County
Common questions
How much does it cost to own a home in Refugio?
A $85,000 home in Refugio, Texas costs approximately $893 per month with 20% down at 6.66%. That is $437 principal and interest, $113 property tax, $56 homeowners insurance, $216 utilities and $71 set aside for maintenance.
What is the property tax rate in Refugio?
Refugio has an effective property tax rate of 1.595%, based on a median home value of $85,000 and median real estate taxes of $1,356. That is higher than the Refugio County average of 1.404%.
What is the average home price in Refugio?
The median owner-occupied home value in Refugio, Texas is $85,000, against $94,400 across Refugio County.
Is it cheaper to rent or buy in Refugio?
Median gross rent in Refugio is $748 a month, against $893 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 Refugio — 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.