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
The median home price in San Antonio is $280,000, below the national median of $420,000. With a median household income of $58,000, the price-to-income ratio is 4.8x — meaning buyers typically spend 4.8 years of gross income on the purchase price.
Property taxes in San Antonio run 2.1% of assessed value. On the median home, that is $5,880 per year, or $490 per month added to your mortgage payment. This is significantly above the national average of 1.1%, making property taxes a major factor in your total housing cost.
Texas has no state income tax, which means more of your gross salary becomes take-home pay. This effectively increases your purchasing power compared to income-tax states.
The cost of living index in San Antonio is 90 (national average = 100). Beyond housing, your everyday expenses will also run below the national average.
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.