Schertz is considered moderately affordable in 2025, with average rent for a 2-bedroom apartment around $1,450 and slightly lower utility costs compared to the national average.
Living in Schertz, TX in 2025 costs about $3,800 per month for a couple renting a 2-bedroom apartment, including housing, utilities, groceries, and transportation. Let’s break down the numbers to see what it really takes to live comfortably in this growing San Antonio suburb.
Housing Costs in Schertz
Housing is the biggest expense for most Schertz residents. Typical housing options include apartments, townhomes, and single-family houses. Rents vary based on size, amenities, and neighborhood:
- 1-bedroom apartment: $1,100 – $1,400
- 2-bedroom apartment: $1,300 – $1,600
- 3-bedroom house: $1,800 – $2,400
Buying a home in Schertz costs around $325,000 for a 3-bedroom, 2-bathroom house. HOA fees are common in many neighborhoods, adding $200 – $400 per month. Older homes may have lower purchase prices but higher maintenance costs.
Utilities are relatively affordable in Schertz compared to other Texas cities. Expect to pay around $180 per month for electricity, water, gas, and trash for a 2-bedroom apartment. High summer temperatures can push cooling costs higher from June through September.
Groceries and Daily Living Expenses
Groceries in Schertz cost around $400 per month for a single person or $800 for a couple. This covers basics like milk ($3.50/gallon), bread ($2.50/loaf), eggs ($2.75/dozen), and ground beef ($5.50/lb).
Dining out costs $12-15 per person for a basic meal or $50+ for dinner for two at a nice restaurant. A typical fast food combo runs about $8.
| Expense | Monthly Cost |
|---|---|
| Groceries (single) | $400 |
| Groceries (couple) | $800 |
| Dining out (per person) | $12 – $15 |
Taxes and Fees in Schertz
Schertz has a property tax rate of 2.1%, which is slightly higher than the national average. For a $325,000 home, annual property taxes would be around $6,825 or $570 per month.
Texas has no state income tax, but sales tax in Schertz is 8.25%, combining state, county and city rates. Vehicle registration fees are $50-80 per year depending on the type of vehicle.
Monthly Budget Summary
To live comfortably in Schertz, aim for these monthly gross income levels (before taxes):
| Household | Gross Income | Expenses |
|---|---|---|
| Single person | $3,200 | $2,600 |
| Couple | $4,800 | $3,800 |
| Family of 4 | $6,500 | $5,200 |
These budgets include $500-800 per month in discretionary spending for things like entertainment, travel, and savings. Adjust the numbers based on your lifestyle and housing choices.
Lifestyle Considerations
Schertz offers a suburban lifestyle with easy access to San Antonio about 20 miles south. Many residents commute 25-35 minutes each way for work. Traffic can be heavy during rush hour on I-35.
Newer homes and master-planned communities are common in north Schertz, while the southern part of the city has some older, more affordable neighborhoods. Amenities like parks, pools, trails and sports fields are found throughout.
Schertz tends to be more affordable than central San Antonio, but pricier than outlying areas like New Braunfels or Seguin. It’s a popular choice for families seeking good schools and a small-town feel near big city conveniences.
Frequently Asked Questions
What salary do you need to live in Schertz?
A gross income of $3,200/month ($38K/year) allows a single person to live comfortably in Schertz, while a couple would need around $4,800/month ($58K/year). Families generally require $6,500+/month.Is Schertz cheaper than living in San Antonio?
Schertz is typically 10-20% less expensive than central San Antonio. Housing costs are the biggest difference, with Schertz rents and home prices notably lower.How much are utilities in Schertz?
Expect to pay around $180/month for basic utilities in a 2-bedroom Schertz apartment. This includes electricity, water, gas, and trash service. Summer cooling costs may be higher.What is the average rent in Schertz?
As of 2025, average rent in Schertz is $1,100 – $1,400 for a 1-bedroom, $1,300 – $1,600 for a 2-bedroom, and $1,800+ for a 3-bedroom house or larger apartment.How much do I need to buy a house in Schertz?
Buying a 3-bedroom house in Schertz costs around $325,000 as of 2025. With a 10% down payment, that equates to about $2,100/month including taxes, insurance, and HOA fees.What is the cost of living in Schertz compared to Austin?
Schertz is about 30% less expensive than Austin overall. The biggest savings are in housing, with Schertz prices nearly 40% lower. Utilities, groceries and local services also tend to be 10-20% cheaper.How can I save money living in Schertz?
To minimize costs in Schertz, look for housing in older neighborhoods, keep utility usage moderate, and cook meals at home. Compare moving company costs and options to find affordable movers. Carpooling or remote work can cut transportation expenses.