Total monthly cost of ownership
Cost to Own a Home in Southwest Sandhill, Texas
A $118,000 home here costs
$1,058per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $607. The real number is $451 higher every month — 74% 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.
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 $148 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
Common questions
How much does it cost to own a home in Southwest Sandhill?
A $118,000 home in Southwest Sandhill, Texas costs approximately $1,058 per month with 20% down at 6.66%. That is $607 principal and interest, $59 property tax, $78 homeowners insurance, $216 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.
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.