Total monthly cost of ownership
Cost to Own a Home in Shiner, Texas
A $220,000 home here costs
$1,881per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,131. The real number is $750 higher every month — 66% 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.
Shiner against Lavaca County and Texas
| Measure | Shiner | Lavaca County |
|---|---|---|
| Median home value | $219,800 | $220,900 |
| Median property tax | $2,465 | $2,113 |
| Effective tax rate | 1.121% | 0.957% |
| Median gross rent | $1,180 | $879 |
| Population | 2,284 | 20,479 |
The weather behind that power bill
Shiner sits in Lavaca County, which averages a high of 97.5°F in its hottest month and a low of 44.6°F in its coldest, with 40.42" of precipitation a year and 31% of it in a single three-month stretch. That climate drives 3,587 cooling and 1,112 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Lavaca County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Lavaca County
Common questions
How much does it cost to own a home in Shiner?
A $220,000 home in Shiner, Texas costs approximately $1,881 per month with 20% down at 6.66%. That is $1,131 principal and interest, $206 property tax, $146 homeowners insurance, $216 utilities and $183 set aside for maintenance.
What is the property tax rate in Shiner?
Shiner has an effective property tax rate of 1.121%, based on a median home value of $219,800 and median real estate taxes of $2,465. That is higher than the Lavaca County average of 0.957%.
What is the average home price in Shiner?
The median owner-occupied home value in Shiner, Texas is $219,800, against $220,900 across Lavaca County.
Is it cheaper to rent or buy in Shiner?
Median gross rent in Shiner is $1,180 a month, against $1,881 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 Shiner — 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.