The typical owner-occupied home in Ozona is worth about $66,900, 76% below the Texas median of $283,800 and 80% below the national median of $332,700. Owners pay a median $317 a year in property taxes, about 0.47% of their home's value, lower than the Texas rate of 1.49%. The median household earns $81,622 a year, so the median home costs 0.8 times the median income (3.6 times for Texas). 77% of occupied homes here are lived in by their owners, and 18% of those owners still have a mortgage.
Ozona at a glance
| Ozona | Texas | U.S. | |
|---|---|---|---|
| Median home value | $66,900 | $283,800 | $332,700 |
| Median property tax paid per year | $317 | $4,232 | $3,119 |
| Property tax as a share of value | 0.47% | 1.49% | 0.94% |
| Median household income | $81,622 | $78,476 | $80,734 |
| Homes lived in by their owners | 77% | 63% | 65% |
| Owner homes with a mortgage | 18% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | $558 | $1,403 | $1,413 |
| Rent as a share of renters' income | 11.0% | 30.9% | 30.6% |
| Median year homes were built | 1977 | 1992 | 1980 |
| Vacant homes | 26.1% | 9.4% | 10.1% |
| Population | 2,405 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Ozona
At this week's average 30-year rate of 7.11%, buying the median Ozona home of $66,900 with 20% down costs about $414 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $526, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $17,748 for the 20%-down payment. That payment is 6% of the median Ozona household income of $81,622; at that income and 20% down, the 28% guideline points to a home of about $308,000.
The median rent here is $558 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $13,380 |
|---|---|
| Loan amount | $53,520 |
| Principal and interest | $360 |
| Property taxes (0.47% a year) | $26 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| PMI | $0 |
| Total per month | $414 |
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| Down payment | $2,342 |
|---|---|
| Loan amount | $65,688 |
| Principal and interest | $442 |
| Property taxes (0.47% a year) | $26 |
| Homeowners insurance (our estimate, 0.5% a year) | $28 |
| FHA mortgage insurance | $30 |
| Total per month | $526 |
Change the numbers in the calculator
Questions about home buying in Ozona
What is the median home value in Ozona?
About $66,900 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Ozona?
Homeowners pay a median $317 a year, which is about 0.47% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Ozona?
For the median home with 20% down at 7.11%, the payment is about $414 a month. Keeping that under 28% of gross income takes about $17,748 a year.
More about Ozona
- Mortgage Refinance in Ozona
- Debt Relief in Ozona
- Home Equity Loans in Ozona
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data