Total monthly cost of ownership
Cost to Own a Home in San Felipe, Texas
A $230,000 home here costs
$2,047per 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 $87,500 a year.
A standard mortgage calculator would have told you $1,254. The real number is $793 higher every month, 63% more than the payment most buyers budget for.
Compare Austin County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for San Felipe from a five-year rolling sample, and with about 1,085 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 Austin 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.
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 $174 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
Talk to someone who works this market
These are San Felipe 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 San Felipe every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in San Felipe?
A $230,000 home in San Felipe, Texas costs approximately $2,047 per month with 20% down at 7.24%. That is $1,254 principal and interest, $207 property tax, $152 homeowners insurance, $242 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 $2,047 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 San Felipe?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in San Felipe, Texas at today's rate takes a household income of roughly $87,500 a year. That covers the full $2,047 monthly cost, not just the mortgage payment.
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.