Total monthly cost of ownership
Cost to Own a Home in Southwest Sandhill, Texas
A $118,000 home here costs
$1,121per 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 $48,000 a year.
A standard mortgage calculator would have told you $643. The real number is $478 higher every month, 74% more than the payment most buyers budget for.
Compare Ward County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Southwest Sandhill from a five-year rolling sample, and with about 1,174 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 Ward 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.
Southwest Sandhill against Ward County and Texas
| Measure | Southwest Sandhill | Ward County |
|---|---|---|
| Median home value | $117,800 | $138,800 |
| Median property tax | — | $833 |
| Effective tax rate | 0.600% | 0.600% |
| Median gross rent | — | $939 |
| Population | 1,174 | 11,255 |
The weather behind that power bill
Southwest Sandhill sits in Ward County, which averages a high of 96.5°F in its hottest month and a low of 32.4°F in its coldest, with 13.38" of precipitation a year and 45% of it in a single three-month stretch. That climate drives 2,597 cooling and 2,290 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Ward County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Ward County
Talk to someone who works this market
These are Southwest Sandhill 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 Southwest Sandhill every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Southwest Sandhill I already own here and may sell
Common questions
How much does it cost to own a home in Southwest Sandhill?
A $118,000 home in Southwest Sandhill, Texas costs approximately $1,121 per month with 20% down at 7.24%. That is $643 principal and interest, $59 property tax, $78 homeowners insurance, $242 utilities and $98 set aside for maintenance.
What is the property tax rate in Southwest Sandhill?
Place-level tax data is not published for Southwest Sandhill, so the Ward County rate of 0.600% applies here.
What is the average home price in Southwest Sandhill?
The median owner-occupied home value in Southwest Sandhill, Texas is $117,800, against $138,800 across Ward County.
Is it cheaper to rent or buy in Southwest Sandhill?
Rent data is not published for Southwest Sandhill at this level of detail.
What salary do you need to buy a home in Southwest Sandhill?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Southwest Sandhill, Texas at today's rate takes a household income of roughly $48,000 a year. That covers the full $1,121 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Southwest Sandhill, 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.