Total monthly cost of ownership
Cost to Own a Home in Schulenburg, Texas
A $139,000 home here costs
$1,303per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $715. The real number is $589 higher every month — 82% 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.
Schulenburg against Fayette County and Texas
| Measure | Schulenburg | Fayette County |
|---|---|---|
| Median home value | $138,600 | $271,100 |
| Median property tax | $1,974 | $2,734 |
| Effective tax rate | 1.424% | 1.008% |
| Median gross rent | $950 | $909 |
| Population | 2,702 | 24,783 |
The weather behind that power bill
Schulenburg sits in Fayette County, which averages a high of 97.4°F in its hottest month and a low of 39.8°F in its coldest, with 39.63" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 3,092 cooling and 1,619 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Fayette County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Fayette County
Common questions
How much does it cost to own a home in Schulenburg?
A $139,000 home in Schulenburg, Texas costs approximately $1,303 per month with 20% down at 6.66%. That is $715 principal and interest, $165 property tax, $92 homeowners insurance, $216 utilities and $116 set aside for maintenance.
What is the property tax rate in Schulenburg?
Schulenburg has an effective property tax rate of 1.424%, based on a median home value of $138,600 and median real estate taxes of $1,974. That is higher than the Fayette County average of 1.008%.
What is the average home price in Schulenburg?
The median owner-occupied home value in Schulenburg, Texas is $138,600, against $271,100 across Fayette County.
Is it cheaper to rent or buy in Schulenburg?
Median gross rent in Schulenburg is $950 a month, against $1,303 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 Schulenburg — 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.