Total monthly cost of ownership
Cost to Own a Home in San Saba, Texas
A $112,000 home here costs
$1,070per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $576. The real number is $494 higher every month — 86% 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 Saba against San Saba County and Texas
| Measure | San Saba | San Saba County |
|---|---|---|
| Median home value | $112,200 | $161,800 |
| Median property tax | $1,328 | $1,628 |
| Effective tax rate | 1.184% | 1.006% |
| Median gross rent | $909 | $894 |
| Population | 3,125 | 5,802 |
The weather behind that power bill
San Saba sits in San Saba County, which averages a high of 95.7°F in its hottest month and a low of 32.9°F in its coldest, with 28.56" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,479 cooling and 2,306 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for San Saba County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Saba County
No other places of this size are published in San Saba County.
Common questions
How much does it cost to own a home in San Saba?
A $112,000 home in San Saba, Texas costs approximately $1,070 per month with 20% down at 6.66%. That is $576 principal and interest, $111 property tax, $74 homeowners insurance, $216 utilities and $93 set aside for maintenance.
What is the property tax rate in San Saba?
San Saba has an effective property tax rate of 1.184%, based on a median home value of $112,200 and median real estate taxes of $1,328. That is higher than the San Saba County average of 1.006%.
What is the average home price in San Saba?
The median owner-occupied home value in San Saba, Texas is $112,200, against $161,800 across San Saba County.
Is it cheaper to rent or buy in San Saba?
Median gross rent in San Saba is $909 a month, against $1,070 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 Saba — 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.