Total monthly cost of ownership
Cost to Own a Home in Winters, Texas
A $56,000 home here costs
$685per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $288. The real number is $398 higher every month — 138% 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.
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 $148 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
Common questions
How much does it cost to own a home in Winters?
A $56,000 home in Winters, Texas costs approximately $685 per month with 20% down at 6.66%. That is $288 principal and interest, $98 property tax, $37 homeowners insurance, $216 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 $685 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 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.