Total monthly cost of ownership
Cost to Own a Home in San Felipe, Texas
A $230,000 home here costs
$1,949per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,182. The real number is $767 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.
San Felipe against Austin County and Texas
| Measure | San Felipe | Austin County |
|---|---|---|
| Median home value | $229,800 | $270,900 |
| Median property tax | $2,484 | $3,464 |
| Effective tax rate | 1.081% | 1.279% |
| Median gross rent | $1,429 | $1,111 |
| Population | 1,085 | 30,712 |
The weather behind that power bill
San Felipe sits in Austin County, which averages a high of 94.8°F in its hottest month and a low of 40.9°F in its coldest, with 43.9" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 2,956 cooling and 1,559 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Austin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Austin County
Common questions
How much does it cost to own a home in San Felipe?
A $230,000 home in San Felipe, Texas costs approximately $1,949 per month with 20% down at 6.66%. That is $1,182 principal and interest, $207 property tax, $152 homeowners insurance, $216 utilities and $192 set aside for maintenance.
What is the property tax rate in San Felipe?
San Felipe has an effective property tax rate of 1.081%, based on a median home value of $229,800 and median real estate taxes of $2,484. That is lower than the Austin County average of 1.279%.
What is the average home price in San Felipe?
The median owner-occupied home value in San Felipe, Texas is $229,800, against $270,900 across Austin County.
Is it cheaper to rent or buy in San Felipe?
Median gross rent in San Felipe is $1,429 a month, against $1,949 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 Felipe — 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.