Total monthly cost of ownership
Cost to Own a Home in Sonora, Texas
A $130,000 home here costs
$1,300per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $55,500 a year.
A standard mortgage calculator would have told you $709. The real number is $592 higher every month, 83% more than the payment most buyers budget for.
Compare Sutton County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Sonora from a five-year rolling sample, and with about 2,746 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 Sutton 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.
Sonora against Sutton County and Texas
| Measure | Sonora | Sutton County |
|---|---|---|
| Median home value | $130,100 | $140,600 |
| Median property tax | $1,859 | $1,938 |
| Effective tax rate | 1.429% | 1.378% |
| Median gross rent | $751 | $770 |
| Population | 2,746 | 3,306 |
The weather behind that power bill
Sonora sits in Sutton County, which averages a high of 95.8°F in its hottest month and a low of 30.8°F in its coldest, with 22.66" of precipitation a year and 36% of it in a single three-month stretch. That climate drives 2,567 cooling and 2,263 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Sutton County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sutton County
No other places of this size are published in Sutton County.
Talk to someone who works this market
These are Sonora 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 Sonora every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Sonora I already own here and may sell
Common questions
How much does it cost to own a home in Sonora?
A $130,000 home in Sonora, Texas costs approximately $1,300 per month with 20% down at 7.24%. That is $709 principal and interest, $155 property tax, $86 homeowners insurance, $242 utilities and $108 set aside for maintenance.
What is the property tax rate in Sonora?
Sonora has an effective property tax rate of 1.429%, based on a median home value of $130,100 and median real estate taxes of $1,859. That is higher than the Sutton County average of 1.378%.
What is the average home price in Sonora?
The median owner-occupied home value in Sonora, Texas is $130,100, against $140,600 across Sutton County.
Is it cheaper to rent or buy in Sonora?
Median gross rent in Sonora is $751 a month, against $1,300 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 Sonora?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Sonora, Texas at today's rate takes a household income of roughly $55,500 a year. That covers the full $1,300 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Sonora, 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.