Total monthly cost of ownership
Cost to Own a Home in Woodsboro, Texas
A $82,000 home here costs
$843per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $422. The real number is $421 higher every month — 100% 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.
Woodsboro against Refugio County and Texas
| Measure | Woodsboro | Refugio County |
|---|---|---|
| Median home value | $81,700 | $94,400 |
| Median property tax | $990 | $1,325 |
| Effective tax rate | 1.212% | 1.404% |
| Median gross rent | $960 | $842 |
| Population | 1,240 | 6,693 |
The weather behind that power bill
Woodsboro sits in Refugio County, which averages a high of 95.2°F in its hottest month and a low of 44.8°F in its coldest, with 34.78" of precipitation a year and 33% of it in a single three-month stretch. That climate drives 3,308 cooling and 1,061 heating degree days, which is what sets the $148 electricity line above.
See the full climate breakdown for Refugio County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Refugio County
Common questions
How much does it cost to own a home in Woodsboro?
A $82,000 home in Woodsboro, Texas costs approximately $843 per month with 20% down at 6.66%. That is $422 principal and interest, $83 property tax, $54 homeowners insurance, $216 utilities and $68 set aside for maintenance.
What is the property tax rate in Woodsboro?
Woodsboro has an effective property tax rate of 1.212%, based on a median home value of $81,700 and median real estate taxes of $990. That is lower than the Refugio County average of 1.404%.
What is the average home price in Woodsboro?
The median owner-occupied home value in Woodsboro, Texas is $81,700, against $94,400 across Refugio County.
Is it cheaper to rent or buy in Woodsboro?
Median gross rent in Woodsboro is $960 a month, against $843 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 Woodsboro — 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.