Total monthly cost of ownership
Cost to Own a Home in Santa Rita Ranch, Texas
A $465,000 home here costs
$4,347per month, all in, with 20% down at today's 7.40% 30-year fixed rate. By the 28% rule that takes a household income of about $186,500 a year.
A standard mortgage calculator would have told you $2,576. The real number is $1,771 higher every month, 69% more than the payment most buyers budget for.
Compare Williamson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Santa Rita Ranch from a five-year rolling sample, and with about 4,055 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 Williamson 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 Rita Ranch against Williamson County and Texas
| Measure | Santa Rita Ranch | Williamson County |
|---|---|---|
| Median home value | $464,800 | $414,600 |
| Median property tax | $10,001 | $7,079 |
| Effective tax rate | 2.152% | 1.707% |
| Median gross rent | $3,227 | $1,720 |
| Population | 4,055 | 643,889 |
The weather behind that power bill
Santa Rita Ranch sits in Williamson County, which averages a high of 96.8°F in its hottest month and a low of 36.2°F in its coldest, with 37.08" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 2,748 cooling and 1,949 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Williamson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Williamson County
Full Williamson County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Santa Rita Ranch 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 Rita Ranch every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Santa Rita Ranch I already own here and may sell
Common questions
How much does it cost to own a home in Santa Rita Ranch?
A $465,000 home in Santa Rita Ranch, Texas costs approximately $4,347 per month with 20% down at 7.4%. That is $2,576 principal and interest, $834 property tax, $308 homeowners insurance, $242 utilities and $388 set aside for maintenance.
What is the property tax rate in Santa Rita Ranch?
Santa Rita Ranch has an effective property tax rate of 2.152%, based on a median home value of $464,800 and median real estate taxes of $10,001. That is higher than the Williamson County average of 1.707%.
What is the average home price in Santa Rita Ranch?
The median owner-occupied home value in Santa Rita Ranch, Texas is $464,800, against $414,600 across Williamson County.
Is it cheaper to rent or buy in Santa Rita Ranch?
Median gross rent in Santa Rita Ranch is $3,227 a month, against $4,347 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 Santa Rita Ranch?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Santa Rita Ranch, Texas at today's rate takes a household income of roughly $186,500 a year. That covers the full $4,347 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Santa Rita Ranch, 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.