Total monthly cost of ownership
Cost to Own a Home in Van Horn, Texas
A $87,000 home here costs
$915per 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 $39,000 a year.
A standard mortgage calculator would have told you $474. The real number is $441 higher every month, 93% more than the payment most buyers budget for.
Compare Culberson County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Van Horn from a five-year rolling sample, and with about 1,965 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 Culberson 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.
Van Horn against Culberson County and Texas
| Measure | Van Horn | Culberson County |
|---|---|---|
| Median home value | $86,600 | $84,500 |
| Median property tax | $817 | $726 |
| Effective tax rate | 0.943% | 0.859% |
| Median gross rent | $971 | $971 |
| Population | 1,965 | 2,181 |
The weather behind that power bill
Van Horn sits in Culberson County, which averages a high of 91.0°F in its hottest month and a low of 32.8°F in its coldest, with 9.78" of precipitation a year and 57% of it in a single three-month stretch. That climate drives 1,666 cooling and 3,010 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Culberson County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Culberson County
No other places of this size are published in Culberson County.
Full Culberson County cost breakdown · Every county in Texas
Talk to someone who works this market
These are Van Horn 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 Van Horn every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Van Horn I already own here and may sell
Common questions
How much does it cost to own a home in Van Horn?
A $87,000 home in Van Horn, Texas costs approximately $915 per month with 20% down at 7.24%. That is $474 principal and interest, $68 property tax, $58 homeowners insurance, $242 utilities and $73 set aside for maintenance.
What is the property tax rate in Van Horn?
Van Horn has an effective property tax rate of 0.943%, based on a median home value of $86,600 and median real estate taxes of $817. That is higher than the Culberson County average of 0.859%.
What is the average home price in Van Horn?
The median owner-occupied home value in Van Horn, Texas is $86,600, against $84,500 across Culberson County.
Is it cheaper to rent or buy in Van Horn?
Median gross rent in Van Horn is $971 a month, against $915 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Van Horn?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Van Horn, Texas at today's rate takes a household income of roughly $39,000 a year. That covers the full $915 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Van Horn, 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.