Total monthly cost of ownership
Cost to Own a Home in San Benito, Texas
A $85,000 home here costs
$891per 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 $454 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.
San Benito against Cameron County and Texas
| Measure | San Benito | Cameron County |
|---|---|---|
| Median home value | $85,100 | $120,000 |
| Median property tax | $1,340 | $1,946 |
| Effective tax rate | 1.575% | 1.622% |
| Median gross rent | $885 | $899 |
| Population | 24,677 | 423,192 |
The weather behind that power bill
San Benito sits in Cameron County, which averages a high of 93.4°F in its hottest month and a low of 51.9°F in its coldest, with 23.25" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 4,140 cooling and 527 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Cameron County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cameron County
Common questions
How much does it cost to own a home in San Benito?
A $85,000 home in San Benito, Texas costs approximately $891 per month with 20% down at 6.66%. That is $437 principal and interest, $112 property tax, $56 homeowners insurance, $216 utilities and $71 set aside for maintenance.
What is the property tax rate in San Benito?
San Benito has an effective property tax rate of 1.575%, based on a median home value of $85,100 and median real estate taxes of $1,340. That is lower than the Cameron County average of 1.622%.
What is the average home price in San Benito?
The median owner-occupied home value in San Benito, Texas is $85,100, against $120,000 across Cameron County.
Is it cheaper to rent or buy in San Benito?
Median gross rent in San Benito is $885 a month, against $891 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 San Benito — 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.