Total monthly cost of ownership
Cost to Own a Home in Zapata, Texas
A $104,000 home here costs
$1,066per 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 $45,500 a year.
A standard mortgage calculator would have told you $567. The real number is $499 higher every month, 88% more than the payment most buyers budget for.
Compare Zapata County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for Zapata from a five-year rolling sample, and with about 4,879 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 Zapata 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.
Zapata against Zapata County and Texas
| Measure | Zapata | Zapata County |
|---|---|---|
| Median home value | $104,300 | $88,800 |
| Median property tax | $1,217 | $912 |
| Effective tax rate | 1.167% | 1.027% |
| Median gross rent | $482 | $569 |
| Population | 4,879 | 13,855 |
The weather behind that power bill
Zapata sits in Zapata County, which averages a high of 99.1°F in its hottest month and a low of 46.6°F in its coldest, with 20.4" of precipitation a year and 43% of it in a single three-month stretch. That climate drives 4,281 cooling and 823 heating degree days, which is what sets the $174 electricity line above.
See the full climate breakdown for Zapata County , month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Zapata County
Talk to someone who works this market
These are Zapata 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 Zapata every week. Free, no obligation, and we never sell your details to a list.
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Common questions
How much does it cost to own a home in Zapata?
A $104,000 home in Zapata, Texas costs approximately $1,066 per month with 20% down at 7.24%. That is $567 principal and interest, $101 property tax, $69 homeowners insurance, $242 utilities and $87 set aside for maintenance.
What is the property tax rate in Zapata?
Zapata has an effective property tax rate of 1.167%, based on a median home value of $104,300 and median real estate taxes of $1,217. That is higher than the Zapata County average of 1.027%.
What is the average home price in Zapata?
The median owner-occupied home value in Zapata, Texas is $104,300, against $88,800 across Zapata County.
Is it cheaper to rent or buy in Zapata?
Median gross rent in Zapata is $482 a month, against $1,066 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 Zapata?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in Zapata, Texas at today's rate takes a household income of roughly $45,500 a year. That covers the full $1,066 monthly cost, not just the mortgage payment.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Zapata, 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.