Total monthly cost of ownership
Cost to Own a Home in Van Horn, Texas
A $87,000 home here costs
$861per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $447. The real number is $414 higher every month — 93% 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.
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 $148 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
Common questions
How much does it cost to own a home in Van Horn?
A $87,000 home in Van Horn, Texas costs approximately $861 per month with 20% down at 6.66%. That is $447 principal and interest, $68 property tax, $58 homeowners insurance, $216 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 $861 to own the median home all in. Owning costs less month to month here, though renting builds no equity.
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.