Seguin is considered relatively affordable in 2025, with average rent for a 2-bedroom apartment around $1,450 and grocery costs slightly below the national average.
Housing Costs in Seguin
In 2025, the typical housing options in Seguin range from apartments and townhomes to single-family homes. Renting a 2-bedroom apartment averages between $1,300 to $1,600 per month, depending on the location and amenities. Newer complexes near Seguin’s growing retail areas tend to be on the higher end.
For those looking to purchase, a 3-bedroom single-family home in Seguin typically costs between $280,000 to $350,000. Prices vary based on neighborhood, with more established areas like McQueeney commanding a premium. Some neighborhoods have optional HOA fees ranging from $200 to $400 annually.
- Renting a 2-bedroom apartment: $1,300 – $1,600/month
- Buying a 3-bedroom house: $280,000 – $350,000
- Typical HOA fees (optional): $200 – $400/year
Utilities and Energy Bills
Basic utility costs in Seguin, including electric, gas, water, and trash, average around $180 to $250 per month for a 2-bedroom apartment. Expect higher electric bills in the summer months due to increased air conditioning usage. Winter heating costs are more moderate.
| Utility | Estimated Monthly Cost |
|---|---|
| Electricity | $90 – $140 |
| Gas | $30 – $50 |
| Water/Sewer | $40 – $60 |
| Trash | $20 – $30 |
Groceries and Daily Expenses
The average grocery bill for a single person in Seguin is around $300 to $400 per month, which is slightly below the national average. This estimate includes basic staples, household items, and occasional dining out. A typical basket of goods might include:
- Gallon of milk: $3.50
- Loaf of bread: $2.75
- Dozen eggs: $2.00
- Pound of chicken: $3.25
Dining out at a mid-range restaurant averages $12 to $18 per meal, while fast food runs about $7 to $10.
Taxes and Hidden Fees
Seguin’s property tax rate is around 2.2%, which is slightly higher than the national average but in line with many Texas cities. For a $300,000 home, annual property taxes would be approximately $6,600.
Texas has no state income tax, but sales tax in Seguin is 8.25%, combining state and local rates. Vehicle registration fees are around $75 annually.
Monthly Budget Summary
| Household | Estimated Monthly Budget |
|---|---|
| Single person | $2,500 – $3,000 |
| Couple | $3,500 – $4,200 |
| Small family (3-4) | $4,500 – $5,500 |
These estimates include housing, utilities, groceries, dining out, and basic lifestyle expenses. They do not include savings, debt payments, or discretionary spending.
Lifestyle Considerations
Seguin offers a mix of affordability and small-town charm within commuting distance of San Antonio and Austin. Many residents appreciate the lower housing costs compared to those larger metros, with the tradeoff of a 30-45 minute drive for some jobs and amenities.
Newer homes and apartments are available in recently developed areas of Seguin, while the city center has more historic properties. Parks, walking trails, and the Guadalupe River provide ample outdoor recreation. Though public transit is limited, most errands can be accomplished with a short drive.
Frequently Asked Questions
What salary do you need to live comfortably in Seguin?
To live comfortably in Seguin, a single person may need a gross monthly income of around $3,000 (or $36,000 annually). A couple would likely require $4,200/month ($50,400/year).
Is Seguin cheaper than living in San Antonio?
Yes, the cost of living in Seguin is generally 10-15% lower than San Antonio, primarily due to more affordable housing. However, some expenses like utilities and groceries are comparable.
Are property taxes high in Seguin?
Seguin’s property tax rate of 2.2% is slightly above the national average but typical for Texas. A $300,000 home would have annual property taxes of about $6,600.
How much does it cost to rent a house in Seguin?
Renting a 3-bedroom house in Seguin typically costs between $1,600 to $2,200 per month as of 2025. Exact prices depend on the location, size, and age of the property.
What’s the sales tax rate in Seguin?
The combined state and local sales tax rate in Seguin is 8.25% in 2025.
How do Seguin living costs compare to Austin?
Overall living costs in Seguin are estimated to be 20-25% lower than Austin, with the biggest difference being housing. Many people choose to live in Seguin and commute to Austin for work.
What’s the job market like in Seguin?
Seguin has a growing job market with opportunities in manufacturing, healthcare, education, and retail. However, some residents commute to San Antonio or Austin for a wider range of employment options.
Are there ways to save money on utilities in Seguin?
Some ways to save on utilities include using a programmable thermostat, sealing air leaks, upgrading to energy-efficient appliances, and taking advantage of off-peak electricity rates. Comparing providers and plans can also help reduce costs.
When budgeting for a move, it’s wise to compare moving company costs and options to find the best fit for your needs and budget. Overall, Seguin offers an appealing mix of affordability and quality of life for many Texans.