Renting vs buying in San Antonio
The Bexar County MLS median sale price is down 3.1% on the year and Zillow's index of every home in the city down 2.2%, and the city's median rent is down 4.3% on Apartment List's count. Here is the arithmetic, including the property tax that takes seven taxing units and their homestead exemptions to work out and the mortgage insurance that stops in the middle of the model, and then the part the arithmetic misses.
Calculator
The short answer
Half the homes sold in Bexar County in August 2026 went for more than $280,999 and half for less, down 3.1% on a year earlier. That is the county the San Antonio Board of REALTORS reports, not the city alone, though the city is most of it. A three-bedroom rents for about $1,850. Run those against each other at a 2% appreciation assumption and the answer turns on how long you stay and on the mortgage rate, which was 7.03% on the 24 September survey.
The two price measures are some way apart. The MLS median, which counts the homes that sold across the county, is down 3.1%; Zillow's index, which models every home in the city rather than the ones that sold, is down 2.2% and sits lower, at $247,453. The city's median rent is down 4.3% on Apartment List's count. Texas law guarantees nothing either way: a city may adopt rent control only after a disaster and with the governor's approval.
The tax is the cost that decides it. Texas has no income tax and no transfer tax, and it collects instead through the property tax. On the median house a homesteaded owner pays about $4,390 a year, 1.56% of the value, after the school district's $140,000 exemption and the others'. Unlike the interest, it does not shrink as the loan is paid down, and it does not end when the loan does.
Getting in is cheap and getting out is not. A buyer pays no transfer tax and the seller customarily buys the owner's title policy, so closing runs to about $1,630 plus lender fees. Selling costs about 6.3% once the commission and that title policy are counted, or roughly $17,703 on this house, which is the shape that punishes a short stay, and a posting to Joint Base San Antonio is often a short stay.
The calculator below opens with real San Antonio figures and every one of them is editable. Three warnings: the property tax rate is set to 1.56% of market value, the homesteaded rate, not the 2.290174 per $100 the seven units levy before exemptions, so if you will not live in the house, set it to 2.29%; the insurance figure has no flood policy in it; and below 20% down the owner is charged private mortgage insurance every month until the balance reaches 78% of the price, at which point it stops. All three are explained in the questions below.
Your situation
Compare like for like: the rent on somewhere you would actually be willing to live, not the cheapest listing in the city. Drop the price to around $300,000 and the rent to a one-bedroom figure to compare apartments instead, and put the condo fee in under Assumptions.
20.0% down. The renter starts with this plus closing costs: $57,830: invested instead.
The single biggest lever. Buying costs a lot to enter and a lot to exit, and only time amortizes that away.
Assumptions: every one of them editable
The Bexar County median sale price is down 3.1% year over year, on 2,068 sales. The San Antonio Board of REALTORS publishes no condominium median, and Zillow's condominium index for the city, at $167,371, is down 3.9%. Try a negative number for a condo.
What the renter earns on the down payment they never spent. This is the comparison's hidden lever. A renter who spends it instead of investing it does far worse than this model shows.
Texas cities may not adopt rent control unless the city council finds a housing emergency caused by a disaster and the governor approves the ordinance, under section 214.902 of the Local Government Code. Nothing caps an increase at renewal, and no statute sets a notice period for one: a month-to-month tenancy can be ended, and so repriced, on a month's notice under Property Code section 91.001 unless the lease says otherwise. The one statutory limit is on retaliation: a landlord may not raise the rent within six months of a tenant's good-faith repair request or complaint. Any rent-growth figure here is a forecast with no legal ceiling behind it.
Roofs, furnaces, fences, hail. Averaged out it is a real cost even in the years nothing breaks.
Zero for a house with no association. In San Antonio many houses do have one: the Census Bureau counts 37.3% of the city's owners paying a homeowners' or condominium association fee, at a median of $60 a month, most of it the dues of subdivision associations. A condominium fee carries the building's insurance, roof and reserves and runs well above that.
Commission and legal fees, charged against the price you eventually sell at. The owner's net worth below is after this comes off.
Net worth, side by side
The buyer's line is home value minus what is still owed minus the cost of selling, plus anything they invested in months when owning was cheaper. The renter's line is one portfolio: the down payment and closing costs they never spent, plus the monthly difference whenever renting is cheaper.
Show the year-by-year figures
| Year | Owner | Renter | Difference |
|---|---|---|---|
| 1 | $46,033 | $68,442 | −$22,409 |
| 2 | $53,840 | $79,395 | −$25,555 |
| 3 | $61,931 | $90,703 | −$28,772 |
| 4 | $70,321 | $102,380 | −$32,059 |
| 5 | $79,026 | $114,441 | −$35,415 |
| 6 | $88,063 | $126,902 | −$38,839 |
| 7 | $97,451 | $139,780 | −$42,329 |
| 8 | $107,208 | $153,092 | −$45,884 |
| 9 | $117,356 | $166,856 | −$49,500 |
| 10 | $127,916 | $181,092 | −$53,176 |
| 11 | $138,911 | $195,819 | −$56,908 |
| 12 | $150,368 | $211,059 | −$60,691 |
| 13 | $162,311 | $226,832 | −$64,521 |
| 14 | $174,771 | $243,163 | −$68,392 |
| 15 | $187,776 | $260,074 | −$72,298 |
| 16 | $201,361 | $277,593 | −$76,232 |
| 17 | $215,559 | $295,743 | −$80,184 |
| 18 | $230,408 | $314,554 | −$84,146 |
| 19 | $245,947 | $334,054 | −$88,108 |
| 20 | $262,218 | $354,274 | −$92,056 |
| 21 | $279,267 | $375,246 | −$95,978 |
| 22 | $297,143 | $397,002 | −$99,859 |
| 23 | $315,897 | $419,578 | −$103,681 |
| 24 | $335,584 | $443,010 | −$107,426 |
| 25 | $356,264 | $467,336 | −$111,073 |
| 26 | $377,999 | $492,598 | −$114,599 |
| 27 | $400,859 | $518,837 | −$117,978 |
| 28 | $424,914 | $546,098 | −$121,183 |
| 29 | $450,244 | $574,426 | −$124,182 |
| 30 | $476,924 | $603,865 | −$126,941 |
- The rate is fixed for the life of the loan, so there is no renewal to model, but nothing here credits you for refinancing into a lower one either.
- Neither household is credited with tax on their investments, and the buyer's gain on a principal residence is tax-free while the renter's portfolio may not be.
An estimate from published figures, not a lender quote.
Questions people actually ask
Is it worth buying in San Antonio right now?
It depends more on the house than on the market, and on which market you mean. The San Antonio Board of REALTORS' median sale price for Bexar County, of which the city is about seven residents in ten, was $280,999 in August 2026, down 3.1% on the year, while Zillow's model of a typical home value inside the city itself, which counts every home rather than the ones that sold, is $247,453, down 2.2%. On rents, Apartment List has the city's median rent down 4.3% on the year and Zillow's observed rent index down 1.39%. At 7.03% on a 30-year loan, the mortgage on the median house with 20% down is $1,500 a month before tax and insurance, against a three-bedroom rent of about $1,850. The property tax is what makes the owner's month heavier here: about $366 a month even after the homestead exemptions, and a homeowners premium on top before any flood policy.
How long do you have to stay for buying to beat renting in San Antonio?
Longer than the low closing costs suggest, because the cost of selling is where a Texas sale takes its money. Getting in is cheap: no transfer tax, no tax on the loan, and a buyer's share of the title company's charges that comes to roughly $1,630 with the inspection and the county clerk's recording. Getting out costs about 6.3%: around 5.5% of commission, and the owner's title policy the seller customarily buys for the buyer, $1,674 at this price on the state's promulgated rates. On a $280,999 house that is about $17,703. On the defaults below owning never catches renting at all: the renter is ahead in every one of the 30 years the model runs. The friction alone is a shorter and different answer: at a 2% appreciation assumption those two ends take about 3.6 years to earn back, almost all of it the cost of selling. A household on military orders, which in a city with Joint Base San Antonio in it is a large share of buyers, should set the horizon to the length of the posting and see what that does.
Does Texas have rent control?
No, and San Antonio cannot adopt it in any ordinary year. Section 214.902 of the Local Government Code lets a Texas city establish rent control only if its council finds a housing emergency caused by a disaster and the governor approves the ordinance. Nothing caps an increase at renewal, and no statute sets a notice period for one: a month-to-month tenancy can be ended, and so repriced, on a month's notice unless the lease says otherwise. The one limit is on retaliation, which forbids a rent increase within six months of a tenant's good-faith repair request. Rents here are down 4.3% on one of the two indexes this page cites and down 1.39% on the other, which is a market condition rather than a protection. If you are renting long-term, set the rent-growth input above the 2% default and see what it does to the answer.
What are the closing costs on a San Antonio home?
For a buyer, low, and for the same reason as anywhere in Texas: there is no transfer tax to pay, and since 2016 the state constitution forbids one. A title company, not an attorney, closes the sale, and the title premiums are promulgated by the Texas Department of Insurance, so every insurer charges the same. The owner's policy on a $280,999 house is $1,674 and the seller customarily pays it, though the state's contract leaves it to a checkbox. The buyer pays the lender's policy, $100 when it is issued with the owner's, plus its endorsements; half the title company's escrow fee; the Bexar County Clerk's recording; an inspection; and either a new survey or the seller's affidavit that the old one still holds. Then the lender's own charges and the escrow account for taxes and insurance, which in Texas is large because the tax is. The $1,630 default above covers the title, recording and inspection costs and leaves the lender's out, because those vary by lender rather than by state.
How much do you need for a down payment in San Antonio?
Legally, nothing sets a floor: this is a lender's decision rather than a rule. Conventional loans start at 3% down and FHA at 3.5%, and a VA loan, which many buyers here qualify for, needs none. On a $280,999 house, 3% is $8,430 and 20% is $56,200. What the low end costs you on a conventional loan is private mortgage insurance: at 3% down, about $198 a month until the balance reaches 78% of the price, which takes 12.6 years and about $29,800. At 5% down it is $149 a month and $21,200. There is also help. The Texas State Affordable Housing Corporation and the Texas Department of Housing and Community Affairs both pair a 30-year loan with up to 5% of the loan toward the down payment, and the City of San Antonio's own Homeownership Incentive Programs lend first-time buyers inside the city limits up to $30,000 under HIP 80, on an existing home priced up to $260,000, or up to $15,000 under HIP 120, on one up to $301,700, as a 0% second loan with no payments that is forgiven over five to ten years.
Why does this page use 1.56% property tax when the San Antonio tax rate is 2.290174 per $100?
Because the rate per $100 is charged on a value the exemptions have already cut, and each taxing unit cuts it differently. A house in the City of San Antonio and Northside ISD, the school district more of the city's residents live in than any other, is taxed by seven units: Bexar County 0.276331, Bexar County Road and Flood Control Fund 0.023668, University Health 0.276235, City of San Antonio 0.54159, Northside ISD 1.0049, Alamo Community College District 0.14915, San Antonio River Authority 0.0183, per $100 of taxable value for 2025. Northside ISD takes off the state's general homestead exemption of $140,000, a flat amount, so it takes a larger share off a cheaper house, and nothing more of its own. The county's Road and Flood Control Fund takes off the state's $3,000 for a flood control tax and a further 20%; Bexar County, University Health and the City take 20% each; the San Antonio River Authority 4%; and the Alamo Community College District 1%, which the Tax Code's $5,000 floor turns into $5,000 on any house under $500,000. On a homesteaded house at $280,999 the seven lines add up to about $4,390 a year, which is 1.56% of the value. Without the exemptions, which is what a landlord pays and what a buyer who never files pays, the same house would owe about $6,435. In San Antonio ISD, the inner-city district, the school rate is 1.1552 and the same homestead comes to about $4,544. The seller's tax bill is not a guide to yours. A homestead's taxable value may rise no more than 10% a year while the same owner holds it, and the cap lapses on a sale, so a long-tenured owner can be taxed on far less than the appraisal district's market value while you are taxed on all of it from your first year. The exemptions are not automatic either: you apply to the appraisal district, and you can claim a prorated exemption for the year you buy only if the seller did not have one.
Does this calculator favor renting or buying?
Neither, by construction. Both households start with exactly the same cash. Whichever of them has the cheaper month invests the difference. Most calculators credit only the renter with that, which quietly tilts every result toward renting. The buyer's net worth is also shown after the cost of selling, so it is money they could actually walk away with rather than a paper figure. Private mortgage insurance is charged to the owner month by month and then removed the month the lender is legally required to drop it, rather than being averaged away.
What is the calculator not accounting for?
Federal tax, mainly, and it cuts both ways. Mortgage interest and property tax are deductible if you itemize, and whether itemizing beats the standard deduction depends on the household: first-year interest on the median loan is about $15,700 and property tax about $4,390. A principal residence's gain is excluded up to $250,000 single or $500,000 married under section 121, and the renter's portfolio is not. None of that is modeled, and none of it is advice. Four San Antonio things it also cannot price: flood insurance, which a homeowners policy does not include, in a city where the flash flood of 12 June 2025 killed 13 people, most of them in cars swept off a Loop 410 frontage road; the appraisal district's value, which you can protest every spring and which the 10% cap holds down from the second year of the exemption; the rate itself, which each of the seven units sets every autumn; and the address, since North East ISD, San Antonio ISD and more than a dozen other districts cover much of the city at their own rates, and Alamo Heights, Olmos Park, Terrell Hills and other separate cities sit inside it with rates of their own. None of this includes a special district. Outside the city limits, in the City's extraterritorial jurisdiction, Bexar County has created 24 special improvement districts for new subdivisions, 22 of them levying 0.54159 per $100, the same as the City's own rate, and emergency service districts levy up to 0.10 more; there is also a municipal utility district at 0.20 and water districts at 1.00. The typical address inside the city pays none of them, though a downtown one pays the Downtown Public Improvement District's 0.15, or 0.09 on a condominium. A newer house with a San Antonio mailing address may be outside the city and inside a district, and the appraisal district's record of which units tax the address is the first thing to check.
Which figures here are estimates
The prices, rents, tax rates, exemptions and title premiums above come from published sources, each one listed below with the period it describes. These do not, or not for the city alone:
- The benchmark price, which is the San Antonio Board of REALTORS' median for Bexar County rather than for the city alone, because no city-level figure could be retrieved
- The three-bedroom rent, at $1,850 a month: Apartment List publishes one- and two-bedroom medians only, and $1,850 sits among its three-bedroom listing average, HUD's fair market rent for the metro and the average rent on SABOR's MLS
- The condominium fee, at $300 a month: the Census Bureau publishes a median association fee of $60 for San Antonio owners who pay one, a median dominated by subdivision associations
- Home insurance at $250 a month, between the published San Antonio averages of $2,866 and $4,565 a year and below the state's $3,489, with no flood policy in it
- The buyer's half of the title company's escrow fee, at $600, which the state does not set
- The county clerk's recording fees, at $130, which are the state's estimate rather than Bexar County's own schedule
- The utilities and City fees an owner pays over a renter, at $150 a month
- Maintenance at 1% of the home's value a year
- Every forward-looking rate: appreciation, rent growth, cost inflation and the return on the invested difference
- The private mortgage insurance rate, which is priced per borrower by credit score rather than published as a schedule
If you want the payment side on its own, with the biweekly plan, prepayments and the month mortgage insurance stops, the mortgage calculator covers it in more detail. To work out where rather than whether, start with the neighborhood guides.
Sources
- San Antonio home sales rise 4% in August as prices hold steady · San Antonio Board of REALTORS · retrieved Supports: Bexar County: 2,068 home sales in August 2026, up 8.8% on the year, at a median price of $280,999, down 3.1%, and an average of $336,979, down 2.6%, The San Antonio area MLS: 3,104 sales, up 4%, at a median of $299,275 and an average of $372,989, released 10 September 2026, The release's table: an area median of $310,000 in August 2025 and $313,995 in August 2024, although its prose calls the median unchanged on the year, 5.87 months of inventory, 16,940 active listings and an average of 82 days on the market, 5,024 active residential rental listings at an average monthly rent of $1,832, down 2%, SABOR's membership serving Atascosa, Bee, Bexar, Frio, Karnes, Kendall, La Salle, Maverick, McMullen, Medina, Uvalde, Val Verde and Wilson counties
- South Texas market report: monthly releases · San Antonio Board of REALTORS · retrieved Supports: The monthly MLS releases for January through August 2026, reporting the San Antonio area and Bexar County and no City of San Antonio figure
- Zillow Home Value Index, all homes, middle tier, smoothed and seasonally adjusted, by city · Zillow Research · retrieved Supports: A typical home value of $247,453 for the city of San Antonio (region 6915) in August 2026, $253,000 in August 2025, so a fall of 2.2% over the year
- Zillow Home Value Index, single-family and condominium series, by city · Zillow Research · retrieved Supports: A typical single-family value of $249,206 in the city of San Antonio in August 2026, against $254,823 a year earlier, down 2.2%, A typical condominium value of $167,371 in the same month, against $174,092, down 3.9%, from the condominium file at https://files.zillowstatic.com/research/public_csvs/zhvi/City_zhvi_uc_condo_tier_0.33_0.67_sm_sa_month.csv
- San Antonio Rent Report, October 2026 · Apartment List · retrieved Supports: A median rent of $957 for a one-bedroom and $1,179 for a two-bedroom in the city of San Antonio, and $1,121 across all bedroom sizes, Rents down 0.2% over September and down 4.3% over the past 12 months, against -2.1% for the state
- Apartments for rent in San Antonio, TX: average rent · Apartment List · retrieved Supports: Average listed rents of $1,069 and up for a studio, $1,141 and up for one bedroom, $1,477 and up for two, and $1,887 and up for three or more
- FY 2026 fair market rents, San Antonio-New Braunfels, TX HUD Metro FMR Area · United States Department of Housing and Urban Development · retrieved Supports: FY 2026 fair market rents of $1,177 for one bedroom, $1,426 for two and $1,830 for three, as gross rents including utilities, Housing Choice Voucher programs in the metro using Small Area Fair Market Rents set by ZIP code
- Zillow Observed Rent Index, all homes plus multifamily, smoothed, by city · Zillow Research · retrieved Supports: An observed rent index of $1,386 for the city of San Antonio in August 2026, against $1,406 a year earlier, down 1.39%
- 2025 official tax rates and exemptions · Bexar County Tax Assessor-Collector · retrieved Supports: 2025 rates per $100: Bexar County 0.276331, Road and Flood Control Fund 0.023668, Hospital District 0.276235, City of San Antonio 0.541590, Northside ISD 1.004900, San Antonio ISD 1.155200, Alamo Community College District 0.149150, San Antonio River Authority 0.018300, Homestead exemptions of $5,000 or 20% for Bexar County, the Hospital District and the City; $3,000 and 20% for the Road and Flood Control Fund; $5,000 or 1% for the college district; $5,000 or 4% for the River Authority; $140,000 for Northside ISD; $140,000 and 0.01% for San Antonio ISD, San Antonio Municipal Utility District No. 1 at 0.20, twelve emergency service districts at up to 0.10, and 24 special improvement districts, 22 of them at 0.541590, The Downtown Public Improvement District at 0.15, and 0.09 on condominiums, Official tables from 2005 to 2025 and none yet for 2026, from https://www.bexar.org/1591/Tax-Rates
- 2024 actual tax rates and 2025 actual tax rates, as of 5 December 2025 · Bexar Appraisal District · retrieved Supports: The same 2025 rates to the sixth decimal, and each unit's 2024 rate beside it: the City, the county, the Road and Flood fund, the Hospital District, the college district and Northside ISD unchanged, and the River Authority up from 0.017870, Local option homestead exemptions not less than $5,000, and the Road and Flood fund's $3,000 homestead exemption, Redbird Ranch water districts at 1.00 per $100
- 2025 tax rate calculation worksheets: City of San Antonio · Bexar County Tax Assessor-Collector · retrieved Supports: A debt rate of 0.21150 per $100 within the City's 0.54159, leaving 0.33009 for maintenance and operations, The same 0.54159 adopted for the 2024 tax year
- Property tax exemptions · Texas Comptroller of Public Accounts · retrieved Supports: A school district residence homestead exemption of $140,000 under Tax Code section 11.13(b), Local option homestead exemptions of up to 20% of appraised value, and not less than $5,000, under section 11.13(n), A $3,000 residence homestead exemption from a county's farm-to-market or flood control tax under section 11.13(a)
- Valuing property: limitation on residence homestead value increases · Texas Comptroller of Public Accounts · retrieved Supports: A residence homestead's appraised value may not rise more than 10% a year once the owner has qualified in the preceding and current year
- Property tax protests and appeals · Texas Comptroller of Public Accounts · retrieved Supports: A protest deadline of 15 May or 30 days after the appraisal district mails the notice of appraised value, whichever is later
- 2020 block assignment files, Texas: unified school districts and places · United States Census Bureau · retrieved Supports: Read with the 2020 redistricting file's block populations, at https://www2.census.gov/programs-surveys/decennial/2020/data/01-Redistricting_File--PL_94-171/Texas/tx2020.pl.zip, Of the City of San Antonio's 1,434,625 residents in 2020: 468,901 in Northside ISD, 368,830 in North East ISD, 298,175 in San Antonio ISD, 59,802 in Harlandale ISD, 56,792 in Edgewood ISD and 45,376 in South San Antonio ISD, 298,175 of San Antonio ISD's 300,690 residents inside the city, and 468,901 of Northside ISD's 665,676
- Annual estimates of the resident population for incorporated places, 2020 to 2025 · United States Census Bureau, Population Estimates Program · retrieved Supports: A population of 1,548,422 for San Antonio on 1 July 2025, 1,548,411 of them in Bexar County and 11 in Medina County, A population of 2,160,088 for Bexar County on the same date
- 2025 Gazetteer files: places, Texas · United States Census Bureau · retrieved Supports: A land area of 498.979 square miles and a water area of 5.735 square miles for San Antonio city
- Extraterritorial Jurisdiction (ETJ) · City of San Antonio Planning Department · retrieved Supports: The ETJ as the unincorporated land within five miles of the City's boundaries and not within another city's limits or ETJ, The area in which the City may annex land, with the consent of the landowner or voter approval, Senate Bill 2038, effective 1 September 2023, establishing a petition and election process for releasing property from a city's ETJ
- ETJ planning · City of San Antonio Planning Department · retrieved Supports: Two Military Protection Areas, within five miles of Camp Bullis and the Lackland Training Annex, developed as a direct result of a 2017 state law curtailing unilateral annexation by Texas cities
- Annexation and growth management policy, adopted 31 August 2023 · City of San Antonio Planning Department · retrieved Supports: Senate Bill 6 (2017) curtailing the annexation powers of cities in counties of more than 500,000 people, such as San Antonio, and requiring landowner or voter approval, Elections called in 2018 for areas within five miles of Camp Bullis-Camp Stanley and Lackland Air Force Base-Medina Training Annex, where owners chose land use controls rather than annexation, Chapter 382 public improvement districts created by the county with the City's written consent as the most common special district request
- Public improvement districts and special districts · City of San Antonio Planning Department · retrieved Supports: Special districts in the City's ETJ, including Chapter 382 public improvement districts, also called special improvement districts, water control and improvement districts and fresh water supply districts, Districts created by the county at a landowner's request with the City's consent, conditioned through development agreements
- Our history · CPS Energy · retrieved Supports: The nation's largest public power, natural gas and electric company, serving more than 996,000 electric and 399,000 natural gas customers, $10.6 billion in revenue generated for the City of San Antonio since 1942, Acquired by the City of San Antonio on 24 October 1942
- Edwards Aquifer · San Antonio Water System · retrieved Supports: About 47%, some 154,000 acre-feet, of the water SAWS customers used in 2025 came from the Edwards Aquifer, Permitted withdrawals subject to cutbacks of zero to 44% in critical periods
- Water supplies · San Antonio Water System · retrieved Supports: In 1995 all of San Antonio's water came from the Edwards Aquifer; SAWS now manages 13 supply projects from seven sources
- Stage 3 watering rules · San Antonio Water System · retrieved Supports: Stage 3 rules in effect on 30 September 2026: landscape watering once a week, on the customer's day, from 5 to 10 a.m. and 9 p.m. to midnight
- Stormwater fee · San Antonio Water System · retrieved Supports: SAWS bills the City of San Antonio's stormwater fee on the City's behalf, Residential rates of $3.75 a month up to 2,750 square feet of impervious area, $4.94 to 4,220 square feet and $10.45 above it
- Solid waste rates and fees · City of San Antonio Solid Waste Management Department · retrieved Supports: Monthly totals of $19.76, $25.26 and $35.75 for the small, medium and large garbage cart, including the $3.00 solid waste and $2.00 parks environmental fees, The fee shown and collected on the CPS Energy bill, with no additional fee for the recycling and organics carts
- South Central Texas flood event, October 1998 · National Weather Service, Austin/San Antonio · retrieved Supports: 11.26 inches of rain at San Antonio International Airport on 17 October 1998, the most on any calendar day, and 13.35 inches in 24 hours, Rain along the Balcones Escarpment for up to 36 hours
- June 11 to 12, 2025 San Antonio area flood event · National Weather Service, Austin/San Antonio · retrieved Supports: 13 fatalities from flooding across the San Antonio area, 12 in the Beitel Creek basin and one in the Leon Creek basin, 15 vehicles swept into Beitel Creek from the Loop 410 frontage road near Perrin Beitel Road, 3.98 inches of rain in one hour at San Antonio International Airport, the highest hourly rate on record since 1934
- San Antonio, TX · Texas State Historical Association, Handbook of Texas · retrieved Supports: The flood of 9 and 10 September 1921, which put up to twelve feet of water downtown and killed at least fifty-one people, and the Olmos Dam and river bypass built after it
- Home, flood, wind: which policies do you need? · Texas Department of Insurance · retrieved Supports: Most home policies do not cover floods; a flood policy covers damage from rising water
- Joint Base San Antonio: economic impact, 2025 · Texas Comptroller of Public Accounts · retrieved Supports: Joint Base San Antonio as three operating locations: Fort Sam Houston, Lackland Air Force Base and Randolph Air Force Base, 74,713 direct employees in 2025, including 33,256 active-duty military personnel, A contribution of at least $53 billion to the Texas economy in 2025
- Primary Mortgage Market Survey, 24 September 2026 · Freddie Mac · retrieved Supports: A 30-year fixed-rate mortgage averaging 7.03%, up from 6.95% the week before and 6.30% a year earlier
- Texas homeowners insurance market overview · Texas Department of Insurance · retrieved Supports: A statewide average homeowners premium of $3,489 a year
- How much is homeowners insurance in San Antonio, TX? · Insure.com · retrieved Supports: An average San Antonio premium of $2,866 a year for $300,000 of dwelling cover, $100,000 of liability and a $1,000 deductible, updated 27 May 2026, An average of $2,222 a year for $200,000 of dwelling cover
- Texas homeowners insurance · NerdWallet · retrieved Supports: An average San Antonio premium of $4,565 a year for $500,000 of dwelling cover, $300,000 of liability and a $1,000 deductible, updated 20 February 2026
- Renters insurance in Texas · NerdWallet · retrieved Supports: An average San Antonio renters premium of $167 a year, $14 a month, for $30,000 of personal property, updated 23 September 2026
- Monthly homeowners' association and condominium fee, tables B25142 and B25143, 2024 American Community Survey 1-year estimates, San Antonio city · United States Census Bureau, via the Census Reporter API · retrieved Supports: A median monthly association fee of $60 among San Antonio owner-occupied units that pay one, 110,122 of 295,530 owner-occupied units, or 37.3%, paying such a fee, and 4,864 paying $500 or more a month
- Homeownership Incentive Programs (HIP) · City of San Antonio Neighborhood and Housing Services Department · retrieved Supports: HIP 80: $1,000 to $30,000 as a 0% interest, no-payment second loan, the first $15,000 forgiven over five years and the rest over ten, on an existing home up to $260,000 or a new one up to $284,000, with 2026 income limits of $56,350 for one person to $80,500 for four, HIP 120: $1,000 to $15,000, 75% forgiven over ten years and 25% perpetual, on an existing home up to $301,700 or a new one up to $332,800, with income limits of $84,500 for one person to $120,700 for four, A HUD-approved eight-hour homebuyer class, a home inside the city limits and a $500 minimum earnest money deposit
- HIP 80 and HIP 120 general information · City of San Antonio Neighborhood and Housing Services Department · retrieved Supports: Both programs for income-eligible first-time homebuyers buying a primary residence, which must pass a HIP property review and inspection, The remaining balance repaid in part on a change of ownership, a sale or a cash-out refinance, from this sheet and the HIP 120 sheet at https://www.sa.gov/files/assets/main/v/5/nhsd/documents/hip120-generalinformation.pdf
These are estimates built from published figures, not a lender quote, a pre-approval or financial advice. Rates, premiums and state and federal rules change; confirm anything you plan to act on with a mortgage professional and read the sourcing methodology.