CALCMONEY // HOME AFFORDABILITY // TX // SAN ANTONIO
How much house can you afford in San Antonio? Based on local median home prices, current TX mortgage rates, and San Antonio property tax data.
$280,000
$2,082/mo
$89,226/yr
$141,715
Monthly housing costs of $2,082 represent 43.1% of San Antonio's median gross monthly income ($4,833/mo). At 43.1%, median-income buyers in San Antonio are significantly stretched — well above the 28% guideline. A larger down payment or higher income is required.
| Median Home Price | $280,000 |
| Down Payment (20%) | $56,000 |
| Loan Amount | $224,000 |
| Monthly PI Payment | $1,475 |
| Monthly Property Tax | $490 |
| Monthly Insurance Est. | $117 |
| Total Monthly PITI | $2,082 |
| Housing Cost % of Income | 43.1% |
| Required Income (28% rule) | $89,226/yr |
| Max Affordable Home | $141,715 |
$9,800
$2,578/mo
San Antonio Home Affordability Quick Reference 2026
| Metric | Value | Notes |
|---|---|---|
| Median Home Price | $280,000 | San Antonio city median |
| Down Payment (20%) | $56,000 | Conventional loan |
| Monthly PITI | $2,082 | 6.9% rate, 30yr fixed |
| Required Income (28% rule) | $89,226 | Annual gross |
| Max Affordable Home | $141,715 | Based on median income |
| FHA Down (3.5%) | $9,800 | Minimum FHA |
| Housing Cost % of Income | 43.1% | Median income: $58,000/yr |
| Property Tax Rate | 2.1% | $5,880/yr on median home |
Monthly PITI includes principal, interest, property tax, and homeowners insurance. Estimates only.
The median home price in San Antonio is $280,000, with a local 30-year mortgage rate of 6.9%. A buyer putting 20% down carries a loan of $224,000, generating a monthly P&I payment of $1,475. Adding property taxes ($490/mo) and homeowners insurance ($117/mo) brings total monthly PITI to $2,082.
San Antonio's property tax rate of 2.1% is notably high, meaningfully reducing how much home buyers can afford — lenders factor this directly into debt-to-income calculations. On the San Antonio median home, that is $490/month, or $5,880 per year.
Texas has no state income tax, improving effective take-home pay for San Antonio residents and giving buyers additional capacity relative to equally-priced homes in high-tax states.
Using the 28% rule, a household earning San Antonio's median income of $58,000/year can afford up to $1,353/month in total housing costs. Based on San Antonio's mortgage rate of 6.9% and property tax rate of 2.1%, that translates to a maximum affordable home price of approximately $141,715 with 20% down on a 30-year loan.
To afford the median San Antonio home priced at $280,000, you need an annual gross income of approximately $89,226. Total monthly housing costs (principal and interest of $1,475, property taxes of $490, and insurance of $117) come to $2,082/month, which equals 28% of the required income.
At the median home price of $280,000 and median household income of $58,000, the total monthly housing cost of $2,082 represents 43.1% of gross monthly income. This is well above the standard 28% threshold, making San Antonio a challenging market for buyers at median income.
A conventional 20% down payment on the median San Antonio home of $280,000 is $56,000. An FHA loan requires just 3.5% down — $9,800 — but adds mortgage insurance of roughly $191/month, bringing total FHA payments to $2,578/month.