San Antonio, TX mortgage & affordability calculator
The typical home in San Antonio, TX is worth about $290,000.
With 20% down that's a loan near $232,000 — the calculator
is pre-filled with that figure. One of the more affordable large metros in the country, with prices well under the Texas triangle's other cities. As elsewhere in Texas, the roughly 1.9% property tax rate and rising insurance costs do most of the work in separating the total payment from principal and interest.
$1,506.29 / month
Total interest
$310,264
Total paid
$542,264
Payoff
30.0 years
How much you need to earn
San Antonio, TX's median household income is about
$65,000 a year. Under standard 28/36
lending rules that supports a home price around
$184,939 with 20% down —
below the $290,000 typical price, so many buyers need a larger down payment, a co-borrower, or a longer commute.
Typical asking rent in San Antonio, TX is about $1,500 a month, so owning the median home costs roughly
$699 more per month before tax
effects, maintenance, and any change in home value.
Frequently asked questions
What is a typical mortgage payment in San Antonio, TX?
On the metro's roughly $290,000 typical home with 20% down, the loan is about $232,000. Principal and interest run near $1,506 a month at today's rate, and San Antonio, TX's property tax plus insurance add about $693, for a full payment near $2,199.
Can I afford a home in San Antonio, TX on the median income?
The median household income is about $65,000 a year. Under standard 28/36 lending rules that supports a home price around $184,939 with 20% down — below the $290,000 typical price, so buyers often need a larger down payment or a co-borrower.
Is it cheaper to rent or buy in San Antonio, TX?
Typical asking rent is about $1,500 a month. The full owner payment on a median home is near $2,199, so owning costs roughly $699 more per month before tax effects, maintenance, and any appreciation.
How much are property taxes in San Antonio, TX?
The effective property tax rate in the core county is about 1.90% of market value — roughly $5,510 a year on the typical home. Your exact rate depends on the municipality and any exemptions.
Are home prices in San Antonio, TX rising or falling?
Home values are roughly flat over the past year. One of the more affordable large metros in the country, with prices well under the Texas triangle's other cities. As elsewhere in Texas, the roughly 1.9% property tax rate and rising insurance costs do most of the work in separating the total payment from principal and interest.