San Antonio, TX variant. This is a San Antonio, TX-specific version of the Mortgage Calculator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Mortgage Calculator.
San Antonio's $245,000 median home and 2.18% property tax make for a distinctive mortgage payment. High-cost metros front-load the principal-and-interest portion.
Mortgage payment in San Antonio
On the $245,000 median home with 20% down ($49,000), you'd finance $196,000. At 6.5% over 30 years, P&I ≈ $1,239/month.
Add San Antonio's 2.18% property tax (≈ $445/month) plus insurance for the all-in payment.
About San Antonio, TX
San Antonio residents pay no state or city income tax, as Texas does not levy a personal income tax.
San Antonio remains one of the more affordable large-city housing markets in the country, with modest home prices and rents.
San Antonio's economy is supported by a significant military presence, along with healthcare, tourism, and financial services.
Worked example: $245,000 San Antonio home
Loan $196,000 at 6.5% for 30 years → $1,239/mo P&I. Property tax ≈ $445/mo. Total before insurance ≈ $1,684/mo.
Quick reference
- Median home value: $245,000
- Median rent: $1,450/mo
- Median household income: $62,281
- Local sales tax: 8.25%
- Effective property tax rate: 2.18%
- Cost of living index: 91 (US avg = 100)
Frequently Asked Questions
How much is a mortgage in San Antonio?
About $1,239/month P&I on the $245,000 median home with 20% down at 6.5%.
What is the property tax rate in San Antonio?
About 2.18% of home value per year.