Total monthly cost of ownership
Cost to Own a Home in Santa Anna, Texas
A $55,000 home here costs
$708per 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 $30,500 a year.
A standard mortgage calculator would have told you $300. The real number is $408 higher every month, 136% more than the payment most buyers budget for.
Compare Coleman County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Santa Anna from a five-year rolling sample, and with about 1,257 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 Coleman 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.
Santa Anna against Coleman County and Texas
| Measure | Santa Anna | Coleman County |
|---|---|---|
| Median home value | $54,500 | $91,200 |
| Median property tax | $996 | $1,248 |
| Effective tax rate | 1.828% | 1.368% |
| Median gross rent | $763 | $714 |
| Population | 1,257 | 7,765 |
The weather behind that power bill
Santa Anna sits in Coleman County, which averages a high of 96.7°F in its hottest month and a low of 34.7°F in its coldest, with 27.88" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 2,670 cooling and 2,162 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Coleman County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Coleman County
Talk to someone who works this market
These are Santa Anna 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 Santa Anna every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Santa Anna I already own here and may sell
Common questions
How much does it cost to own a home in Santa Anna?
A $55,000 home in Santa Anna, Texas costs approximately $708 per month with 20% down at 7.24%. That is $300 principal and interest, $84 property tax, $36 homeowners insurance, $242 utilities and $46 set aside for maintenance.
What is the property tax rate in Santa Anna?
Santa Anna has an effective property tax rate of 1.828%, based on a median home value of $54,500 and median real estate taxes of $996. That is higher than the Coleman County average of 1.368%.
What is the average home price in Santa Anna?
The median owner-occupied home value in Santa Anna, Texas is $54,500, against $91,200 across Coleman County.
Is it cheaper to rent or buy in Santa Anna?
Median gross rent in Santa Anna is $763 a month, against $708 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Santa Anna?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Santa Anna, Texas at today's rate takes a household income of roughly $30,500 a year. That covers the full $708 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Santa Anna, 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.