The typical owner-occupied home in Santo is worth about $161,500, 43% below the Texas median of $283,800 and 51% below the national median of $332,700. The median household earns $104,107 a year, so the median home costs 1.6 times the median income (3.6 times for Texas). 100% of occupied homes here are lived in by their owners, and 26% of those owners still have a mortgage.
Santo at a glance
| Santo | Texas | U.S. | |
|---|---|---|---|
| Median home value | $161,500 | $283,800 | $332,700 |
| Median property tax paid per year | – | $4,232 | $3,119 |
| Median household income | $104,107 | $78,476 | $80,734 |
| Homes lived in by their owners | 100% | 63% | 65% |
| Owner homes with a mortgage | 26% | 56% | 61% |
| Median monthly costs, owners with a mortgage | – | $2,106 | $1,963 |
| Median rent | – | $1,403 | $1,413 |
| Median year homes were built | 1948 | 1992 | 1980 |
| Vacant homes | 0.0% | 9.4% | 10.1% |
| Population | 427 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Santo
At this week's average 30-year rate of 7.11%, buying the median Santo home of $161,500 with 20% down costs about $1,084 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,354, 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 $46,477 for the 20%-down payment. That payment is 13% of the median Santo household income of $104,107; at that income and 20% down, the 28% guideline points to a home of about $362,000.
| Down payment | $32,300 |
|---|---|
| Loan amount | $129,200 |
| Principal and interest | $869 |
| Property taxes (1.10% a year) | $148 |
| Homeowners insurance (our estimate, 0.5% a year) | $67 |
| PMI | $0 |
| Total per month | $1,084 |
Change the numbers in the calculator
| Down payment | $5,652 |
|---|---|
| Loan amount | $158,575 |
| Principal and interest | $1,067 |
| Property taxes (1.10% a year) | $148 |
| Homeowners insurance (our estimate, 0.5% a year) | $67 |
| FHA mortgage insurance | $71 |
| Total per month | $1,354 |
Change the numbers in the calculator
Questions about home buying in Santo
What is the median home value in Santo?
About $161,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
What income do you need to buy a home in Santo?
For the median home with 20% down at 7.11%, the payment is about $1,084 a month. Keeping that under 28% of gross income takes about $46,477 a year.
More about Santo
- Mortgage Refinance in Santo
- Debt Relief in Santo
- Home Equity Loans in Santo
- 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