Total monthly cost of ownership
Cost to Own a Home in San Juan, Texas
A $118,000 home here costs
$1,197per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $607. The real number is $590 higher every month — 97% 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 Juan against Hidalgo County and Texas
| Measure | San Juan | Hidalgo County |
|---|---|---|
| Median home value | $118,200 | $124,000 |
| Median property tax | $2,380 | $2,187 |
| Effective tax rate | 2.014% | 1.764% |
| Median gross rent | $937 | $925 |
| Population | 35,674 | 880,921 |
The weather behind that power bill
San Juan sits in Hidalgo County, which averages a high of 98.2°F in its hottest month and a low of 48.7°F in its coldest, with 23.63" of precipitation a year and 38% of it in a single three-month stretch. That climate drives 4,269 cooling and 644 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Hidalgo County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Hidalgo County
Common questions
How much does it cost to own a home in San Juan?
A $118,000 home in San Juan, Texas costs approximately $1,197 per month with 20% down at 6.66%. That is $607 principal and interest, $198 property tax, $78 homeowners insurance, $216 utilities and $98 set aside for maintenance.
What is the property tax rate in San Juan?
San Juan has an effective property tax rate of 2.014%, based on a median home value of $118,200 and median real estate taxes of $2,380. That is higher than the Hidalgo County average of 1.764%.
What is the average home price in San Juan?
The median owner-occupied home value in San Juan, Texas is $118,200, against $124,000 across Hidalgo County.
Is it cheaper to rent or buy in San Juan?
Median gross rent in San Juan is $937 a month, against $1,197 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 Juan — 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.