Total monthly cost of ownership
Cost to Own a Home in Winters, Texas
A $56,000 home here costs
$729per 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 $31,500 a year.
A standard mortgage calculator would have told you $305. The real number is $424 higher every month, 139% more than the payment most buyers budget for.
Compare Runnels County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Winters from a five-year rolling sample, and with about 2,202 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 Runnels 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.
Winters against Runnels County and Texas
| Measure | Winters | Runnels County |
|---|---|---|
| Median home value | $55,800 | $103,700 |
| Median property tax | $1,172 | $1,518 |
| Effective tax rate | 2.100% | 1.464% |
| Median gross rent | $738 | $894 |
| Population | 2,202 | 9,880 |
The weather behind that power bill
Winters sits in Runnels County, which averages a high of 95.5°F in its hottest month and a low of 31.2°F in its coldest, with 23.37" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 2,476 cooling and 2,452 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Runnels County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Runnels County
Talk to someone who works this market
These are Winters 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 Winters every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in Winters I already own here and may sell
Common questions
How much does it cost to own a home in Winters?
A $56,000 home in Winters, Texas costs approximately $729 per month with 20% down at 7.24%. That is $305 principal and interest, $98 property tax, $37 homeowners insurance, $242 utilities and $47 set aside for maintenance.
What is the property tax rate in Winters?
Winters has an effective property tax rate of 2.100%, based on a median home value of $55,800 and median real estate taxes of $1,172. That is higher than the Runnels County average of 1.464%.
What is the average home price in Winters?
The median owner-occupied home value in Winters, Texas is $55,800, against $103,700 across Runnels County.
Is it cheaper to rent or buy in Winters?
Median gross rent in Winters is $738 a month, against $729 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 Winters?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Winters, Texas at today's rate takes a household income of roughly $31,500 a year. That covers the full $729 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Winters, 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.