Total monthly cost of ownership
Cost to Own a Home in Seguin, Texas
A $227,000 home here costs
$1,983per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,167. The real number is $816 higher every month — 70% 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.
Seguin against Guadalupe County and Texas
| Measure | Seguin | Guadalupe County |
|---|---|---|
| Median home value | $227,000 | $285,900 |
| Median property tax | $3,129 | $4,270 |
| Effective tax rate | 1.378% | 1.494% |
| Median gross rent | $1,135 | $1,439 |
| Population | 31,789 | 178,368 |
The weather behind that power bill
Seguin sits in Guadalupe County, which averages a high of 97.5°F in its hottest month and a low of 40.3°F in its coldest, with 31.27" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 3,144 cooling and 1,446 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Guadalupe County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Guadalupe County
Full Guadalupe County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in Seguin?
A $227,000 home in Seguin, Texas costs approximately $1,983 per month with 20% down at 6.66%. That is $1,167 principal and interest, $261 property tax, $150 homeowners insurance, $216 utilities and $189 set aside for maintenance.
What is the property tax rate in Seguin?
Seguin has an effective property tax rate of 1.378%, based on a median home value of $227,000 and median real estate taxes of $3,129. That is lower than the Guadalupe County average of 1.494%.
What is the average home price in Seguin?
The median owner-occupied home value in Seguin, Texas is $227,000, against $285,900 across Guadalupe County.
Is it cheaper to rent or buy in Seguin?
Median gross rent in Seguin is $1,135 a month, against $1,983 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 Seguin — 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.