Total monthly cost of ownership
Cost to Own a Home in Santa Anna, Texas
A $55,000 home here costs
$665per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $283. The real number is $382 higher every month — 135% 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.
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 $148 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
Common questions
How much does it cost to own a home in Santa Anna?
A $55,000 home in Santa Anna, Texas costs approximately $665 per month with 20% down at 6.66%. That is $283 principal and interest, $84 property tax, $36 homeowners insurance, $216 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 $665 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
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.