The Housing Market in Schertz Today
Schertz, TX, a growing suburb northeast of San Antonio, has seen steady demand for housing in recent years. Its proximity to major employers like Amazon and Sysco, along with easy access to I-35, has made it an attractive option for commuters. Compared to central San Antonio, Schertz offers more affordable housing options and a small-town feel while still being close to big city amenities.
The Schertz housing market has remained relatively stable, even as nearby cities like New Braunfels have experienced rapid growth and rising prices. While the median home price in Schertz has increased in recent years, it remains lower than many other parts of the greater San Antonio area. Rental prices have also climbed but are still considered reasonable for the region.
For those considering a move to Schertz, it’s important to understand the full picture of housing costs beyond just rent or mortgage payments. Property taxes, HOA fees, insurance, and utilities can add significantly to monthly expenses. Taking a long-term view of these costs can help inform whether renting or buying makes more sense for your budget and lifestyle.
Renting in Schertz: Typical Costs and Trends
As of 2025, the average rent for a 1-bedroom apartment in Schertz is around $1,100 per month, while a 2-bedroom typically goes for about $1,400. These prices are on par with other suburbs in the area but lower than what you’d find closer to downtown San Antonio. Rents can vary based on the specific neighborhood, with some newer developments commanding higher prices.
Schertz’s rental market caters to a mix of young professionals, families, and military personnel stationed at nearby Randolph Air Force Base. Many renters are drawn to the area for its good schools, safe neighborhoods, and relative affordability. Apartments located closer to I-35 or major employers may come with a premium, as shorter commute times are highly valued.
When budgeting for a rental in Schertz, be sure to factor in the cost of utilities, which can add $100-$200+ to your monthly expenses depending on the size of your unit and your usage habits. Many apartments include water, trash, and sometimes even cable or internet in the rent, so be sure to ask about included utilities when comparing options. For a full picture of typical monthly expenses, check out these sample monthly budgets for Schertz in 2025.
Owning a Home in Schertz: Prices, Taxes, and HOA Fees
The median home price in Schertz currently sits around $350,000, which can get you a well-maintained 3-4 bedroom house in an established neighborhood. Newer construction and homes in gated communities may sell for $400,000+. While these prices are higher than a decade ago, Schertz has remained relatively affordable compared to other parts of the metro area.
One important factor to consider when buying a home in Schertz is the property tax rate. Texas has some of the highest property taxes in the nation, and Schertz residents pay around 2.5% of their home’s assessed value each year. For a $350,000 house, that equates to an additional $8,750 per year or about $730 per month. This can significantly impact affordability, especially for first-time buyers.
Many neighborhoods in Schertz have active homeowners associations (HOAs) that charge monthly or annual fees. These fees typically range from $200-$500 per year and cover things like common area maintenance, neighborhood pools or parks, and sometimes trash service. While these fees can add to the overall cost of homeownership, many residents find that the amenities and protections provided by an HOA are worth the expense.
Apartment vs House in Schertz: Side-by-Side Costs
| Monthly Expense | Apartment (2BR) | House (3BR) |
|---|---|---|
| Rent/Mortgage Payment | $1,400 | $1,950 (based on $350K home price) |
| Property Tax | N/A (included in rent) | $730 |
| Utilities | $150 (some included) | $250+ |
| Insurance | $15 (renters) | $100 (homeowners) |
| HOA Fees | N/A | $40 |
| Maintenance & Repairs | $0 (handled by complex) | $200+ |
| Monthly Total | $1,565 | $3,270 |
Utility & Upkeep Differences
In addition to the base rent or mortgage payment, utility costs can vary significantly between apartments and houses in Schertz. Apartments are typically more energy efficient due to their smaller size and shared walls. They may also have some utilities included in the rent, such as water, trash, or even cable/internet. Renters insurance is also much cheaper than homeowners insurance.
Houses, on the other hand, tend to have higher utility bills across the board due to their larger size, older construction, and fully exposed walls. Homeowners are also solely responsible for all maintenance and repair costs, which can add hundreds of dollars to the monthly budget. Yard care, HVAC maintenance, and appliance repairs are just a few of the expenses that come with owning a home.
5-Year Rent vs Buy Outlook
Deciding whether to rent or buy in Schertz depends on your long-term plans and financial situation. In the short term, renting is almost always cheaper on a monthly basis. However, owning a home can build equity over time as you pay down the mortgage and the property appreciates in value.
Assuming a 2% annual rent increase and 3% home price appreciation, here’s how the costs stack up over a 5-year period:
- Total rent paid (2BR apartment): $97,000
- Total mortgage paid (3BR house): $117,000
- Estimated home equity earned: $55,000
- Net homeownership cost: $62,000
Of course, this is a simplified example and actual results will vary based on maintenance expenses, tax changes, HOA fee increases, and other factors. For a more personalized cost comparison, try playing with the numbers in this Schertz cost of living calculator.
FAQs About Housing Costs in Schertz
How much are HOA fees in Schertz?
HOA fees in Schertz typically range from $200-$500 per year, with some higher-end communities charging more. These fees usually cover common area maintenance, amenities like pools or parks, and sometimes services like trash pickup.
What is the property tax rate in Schertz?
The property tax rate in Schertz is around 2.5% of a home’s assessed value. For a $350,000 house, this equates to about $8,750 per year or $730 per month.
Is renting cheaper than buying long-term in Schertz?
Renting is generally cheaper than buying on a monthly basis, but owning a home can build equity over time. The break-even point depends on factors like home price appreciation, maintenance costs, and how long you plan to stay in the home.
Do houses have higher utility costs than apartments?
Yes, houses typically have higher utility costs than apartments due to their larger size, older construction, and exposure to the elements. Homeowners are also responsible for all maintenance and repair costs.
What’s the monthly cost difference between apartments and houses in Schertz?
On average, the monthly cost difference between renting a 2-bedroom apartment and owning a 3-bedroom house in Schertz is about $1,700. This takes into account the mortgage payment, property taxes, insurance, utilities, and estimated maintenance expenses.
Making Smart Housing Choices in Schertz
Housing costs are a major factor in the overall cost of living in Schertz. While the city remains relatively affordable compared to other parts of the San Antonio metro area, it’s important to look beyond just the rent or purchase price when making a housing decision. Taxes, fees, insurance, and maintenance costs can significantly impact your monthly budget.
For those planning a move to Schertz, carefully consider your long-term plans and financial goals. If you expect to stay in the area for several years and have the savings for a down payment, buying a home may make sense. But if you value flexibility or don’t want the responsibility of maintenance, renting could be the better choice.
No matter which path you choose, be sure to budget for all the associated costs and plan ahead for potential increases over time. By taking a comprehensive view of housing expenses, you can make an informed decision that aligns with your lifestyle and financial health.