Total monthly cost of ownership
Cost to Own a Home in Victoria, Texas
A $193,000 home here costs
$1,835per 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 $78,500 a year.
A standard mortgage calculator would have told you $1,052. The real number is $782 higher every month, 74% more than the payment most buyers budget for.
Compare Victoria County with anywhere in America · full county breakdown
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Victoria against Victoria County and Texas
| Measure | Victoria | Victoria County |
|---|---|---|
| Median home value | $193,200 | $197,600 |
| Median property tax | $3,021 | $2,941 |
| Effective tax rate | 1.564% | 1.488% |
| Median gross rent | $1,170 | $1,151 |
| Population | 65,514 | 91,281 |
The weather behind that power bill
Victoria sits in Victoria County, which averages a high of 95.5°F in its hottest month and a low of 43.6°F in its coldest, with 40.41" of precipitation a year and 32% of it in a single three-month stretch. That climate drives 3,286 cooling and 1,168 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Victoria County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Victoria County
Talk to someone who works this market
These are Victoria 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 Victoria every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Victoria I already own here and may sell
Common questions
How much does it cost to own a home in Victoria?
A $193,000 home in Victoria, Texas costs approximately $1,835 per month with 20% down at 7.24%. That is $1,052 principal and interest, $252 property tax, $128 homeowners insurance, $242 utilities and $161 set aside for maintenance.
What is the property tax rate in Victoria?
Victoria has an effective property tax rate of 1.564%, based on a median home value of $193,200 and median real estate taxes of $3,021. That is higher than the Victoria County average of 1.488%.
What is the average home price in Victoria?
The median owner-occupied home value in Victoria, Texas is $193,200, against $197,600 across Victoria County.
Is it cheaper to rent or buy in Victoria?
Median gross rent in Victoria is $1,170 a month, against $1,835 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in Victoria?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Victoria, Texas at today's rate takes a household income of roughly $78,500 a year. That covers the full $1,835 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Victoria, 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.