CALCMONEY // MORTGAGE // TX // SAN ANTONIO
Calculate your monthly mortgage payment using San Antonio-specific property tax rates and local market data.
$280,000
6.9%
2.1%
90
| Principal & Interest | $1,475 |
| Property Tax | $490 |
| Homeowners Insurance (est.) | $93 |
| Total Monthly Payment (PITI) | $2,059 |
$56,000
$307,095
$88,226/yr
Home prices in San Antonio run 33% below the national median: $280,000 versus $420,000. Relative to the $58,000 median household income here, the price-to-income ratio comes out to 4.8x.
At a 2.1% effective rate, San Antonio property taxes add $490 to the monthly payment on the median home, $5,880 a year in total.
Texas is one of nine states with no state income tax. Against a $2,059/month mortgage payment here, that's real, recurring savings compared to an income-tax state at the same salary.
Beyond housing, San Antonio's cost of living index sits at 90 (national average = 100), running below the national baseline for groceries, transportation, and everyday services.
San Antonio's median home price runs 10% lower than nearby Houston: $310,000 there versus $280,000 here.
Once you have your payment estimate, comparing lenders is the most important step. A 0.25% rate difference on a $224,000 loan saves $10,080 in interest over 30 years.
Compare Top San Antonio Mortgage LendersNeighborhood-level data for 4 ZIP codes in San Antonio. Rates, home prices, and estimated payments vary by area.