Total monthly cost of ownership
Cost to Own a Home in St. Hedwig, Texas
A $291,000 home here costs
$2,493per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,496. The real number is $997 higher every month — 67% 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.
St. Hedwig against Bexar County and Texas
| Measure | St. Hedwig | Bexar County |
|---|---|---|
| Median home value | $290,800 | $244,100 |
| Median property tax | $4,152 | $4,429 |
| Effective tax rate | 1.428% | 1.814% |
| Median gross rent | $2,425 | $1,290 |
| Population | 2,839 | 2,037,344 |
The weather behind that power bill
St. Hedwig sits in Bexar County, which averages a high of 97.5°F in its hottest month and a low of 40.3°F in its coldest, with 31.27" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 3,144 cooling and 1,446 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Bexar County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Bexar County
Common questions
How much does it cost to own a home in St. Hedwig?
A $291,000 home in St. Hedwig, Texas costs approximately $2,493 per month with 20% down at 6.66%. That is $1,496 principal and interest, $346 property tax, $193 homeowners insurance, $216 utilities and $243 set aside for maintenance.
What is the property tax rate in St. Hedwig?
St. Hedwig has an effective property tax rate of 1.428%, based on a median home value of $290,800 and median real estate taxes of $4,152. That is lower than the Bexar County average of 1.814%.
What is the average home price in St. Hedwig?
The median owner-occupied home value in St. Hedwig, Texas is $290,800, against $244,100 across Bexar County.
Is it cheaper to rent or buy in St. Hedwig?
Median gross rent in St. Hedwig is $2,425 a month, against $2,493 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 St. Hedwig — 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.