Mortgage Calculator & Closing Costs: Corpus Christi, TX
Mortgage payment estimates, closing cost breakdowns, and homebuying data for Corpus Christi, Texas.
Median Home Price
$235K
Population
318K
Avg Monthly Rent
$1,120
Property Tax Rate
1.8% *
* Property tax shown is the Texas state average effective rate. Actual rates vary by county, city, and school district — check with your local assessor for exact rates in Corpus Christi.
Corpus Christi vs Texas Median
The median home price in Corpus Christi is $235,000, which is 24% below the Texas state median of $310,000.
Mortgage Calculator — Corpus Christi, TX
Pre-filled with Corpus Christi median home price and Texas tax/insurance rates. Adjust for your property.
Three down payment scenarios for a $235K home using Texas's 1.8% tax rate and $3,800/yr insurance.
5% Down
$2,210/mo
Down: $11,750
Loan: $223K
P&I: $1,411
Tax: $353
Insurance: $317
PMI: $130
10% Down
$2,129/mo
Down: $23,500
Loan: $212K
P&I: $1,337
Tax: $353
Insurance: $317
PMI: $123
20% Down (No PMI)
$1,857/mo
Down: $47,000
Loan: $188K
P&I: $1,188
Tax: $353
Insurance: $317
Income needed (28% rule): $80K/year with 20% down, $91K/year with 10% down.
Rent vs Buy in Corpus Christi
Rent
$1,120/mo
vs
Buy (10% down)
$2,129/mo
Price-to-rent ratio: 17.5 — A ratio between 15-20 means the rent vs buy decision in Corpus Christi depends heavily on your timeline. If you plan to stay 5+ years, buying likely wins. For shorter stays, renting preserves flexibility.
The median home price in Corpus Christi is $235,000, 24% below the Texas state median of $310,000. With a population of 317,863, Corpus Christi is a mid-size city where home prices tend to be more accessible than in many parts of Texas.
Property taxes in Texas average 1.8% annually. This higher-than-average tax rate means a $235,000 home in Corpus Christi would carry roughly $353/month in property taxes alone — plan accordingly. Homeowners insurance in Texas runs approximately $3,800 per year. Insurance costs are notably high — factor this into your monthly budget.
Average rent in Corpus Christi is $1,120/month. The price-to-rent ratio in Corpus Christi is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.
Corpus Christi offers strong affordability. With median prices under $250K, first-time buyers have realistic paths to homeownership, especially combined with Texas's TDHCA My First Texas Home program.
Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Corpus Christi.