Total monthly cost of ownership
Cost to Own a Home in St. Paul, Texas
A $61,000 home here costs
$732per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $314. The real number is $418 higher every month — 133% 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. Paul against San Patricio County and Texas
| Measure | St. Paul | San Patricio County |
|---|---|---|
| Median home value | $61,400 | $180,400 |
| Median property tax | $1,342 | $2,754 |
| Effective tax rate | 2.186% | 1.527% |
| Median gross rent | — | $1,239 |
| Population | 1,165 | 69,519 |
The weather behind that power bill
St. Paul sits in San Patricio County, which averages a high of 94.6°F in its hottest month and a low of 44.9°F in its coldest, with 32.96" of precipitation a year and 35% of it in a single three-month stretch. That climate drives 3,419 cooling and 1,011 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for San Patricio County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in San Patricio County
Full San Patricio County cost breakdown · Every county in Texas
Common questions
How much does it cost to own a home in St. Paul?
A $61,000 home in St. Paul, Texas costs approximately $732 per month with 20% down at 6.66%. That is $314 principal and interest, $111 property tax, $40 homeowners insurance, $216 utilities and $51 set aside for maintenance.
What is the property tax rate in St. Paul?
St. Paul has an effective property tax rate of 2.186%, based on a median home value of $61,400 and median real estate taxes of $1,342. That is higher than the San Patricio County average of 1.527%.
What is the average home price in St. Paul?
The median owner-occupied home value in St. Paul, Texas is $61,400, against $180,400 across San Patricio County.
Is it cheaper to rent or buy in St. Paul?
Rent data is not published for St. Paul at this level of detail.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for St. Paul — 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.