Total monthly cost of ownership
Cost to Own a Home in Zapata, Texas
A $104,000 home here costs
$1,007per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $535. The real number is $472 higher every month — 88% 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.
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 $148 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
Common questions
How much does it cost to own a home in Zapata?
A $104,000 home in Zapata, Texas costs approximately $1,007 per month with 20% down at 6.66%. That is $535 principal and interest, $101 property tax, $69 homeowners insurance, $216 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 $1,007 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
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.