Total monthly cost of ownership
Cost to Own a Home in Siesta Shores, Texas
A $66,000 home here costs
$710per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $339. The real number is $371 higher every month — 109% 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.
Siesta Shores against Zapata County and Texas
| Measure | Siesta Shores | Zapata County |
|---|---|---|
| Median home value | $65,900 | $88,800 |
| Median property tax | — | $912 |
| Effective tax rate | 1.027% | 1.027% |
| Median gross rent | $756 | $569 |
| Population | 1,939 | 13,855 |
The weather behind that power bill
Siesta Shores sits in Zapata County, which averages a high of 99.1°F in its hottest month and a low of 46.6°F in its coldest, with 20.4" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 4,281 cooling and 823 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Zapata County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Zapata County
Common questions
How much does it cost to own a home in Siesta Shores?
A $66,000 home in Siesta Shores, Texas costs approximately $710 per month with 20% down at 6.66%. That is $339 principal and interest, $56 property tax, $44 homeowners insurance, $216 utilities and $55 set aside for maintenance.
What is the property tax rate in Siesta Shores?
Place-level tax data is not published for Siesta Shores, so the Zapata County rate of 1.027% applies here.
What is the average home price in Siesta Shores?
The median owner-occupied home value in Siesta Shores, Texas is $65,900, against $88,800 across Zapata County.
Is it cheaper to rent or buy in Siesta Shores?
Median gross rent in Siesta Shores is $756 a month, against $710 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 Siesta Shores — 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.