Total monthly cost of ownership
Cost to Own a Home in Uvalde, Texas
A $132,000 home here costs
$1,298per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $679. The real number is $619 higher every month — 91% 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.
Uvalde against Uvalde County and Texas
| Measure | Uvalde | Uvalde County |
|---|---|---|
| Median home value | $131,600 | $144,400 |
| Median property tax | $2,463 | $2,260 |
| Effective tax rate | 1.872% | 1.565% |
| Median gross rent | $1,013 | $966 |
| Population | 15,344 | 24,810 |
The weather behind that power bill
Uvalde sits in Uvalde County, which averages a high of 97.2°F in its hottest month and a low of 38.7°F in its coldest, with 24.91" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 3,147 cooling and 1,454 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Uvalde County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Uvalde County
No other places of this size are published in Uvalde County.
Common questions
How much does it cost to own a home in Uvalde?
A $132,000 home in Uvalde, Texas costs approximately $1,298 per month with 20% down at 6.66%. That is $679 principal and interest, $206 property tax, $87 homeowners insurance, $216 utilities and $110 set aside for maintenance.
What is the property tax rate in Uvalde?
Uvalde has an effective property tax rate of 1.872%, based on a median home value of $131,600 and median real estate taxes of $2,463. That is higher than the Uvalde County average of 1.565%.
What is the average home price in Uvalde?
The median owner-occupied home value in Uvalde, Texas is $131,600, against $144,400 across Uvalde County.
Is it cheaper to rent or buy in Uvalde?
Median gross rent in Uvalde is $1,013 a month, against $1,298 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 Uvalde — 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.