The typical owner-occupied home in Schertz is worth about $317,100, 12% above the Texas median of $283,800 and 5% below the national median of $332,700. Owners pay a median $5,090 a year in property taxes, about 1.61% of their home's value, higher than the Texas rate of 1.49%. The median household earns $99,948 a year, so the median home costs 3.2 times the median income (3.6 times for Texas). 78% of occupied homes here are lived in by their owners, and 69% of those owners still have a mortgage.
Schertz at a glance
| Schertz | Texas | U.S. | |
|---|---|---|---|
| Median home value | $317,100 | $283,800 | $332,700 |
| Median property tax paid per year | $5,090 | $4,232 | $3,119 |
| Property tax as a share of value | 1.61% | 1.49% | 0.94% |
| Median household income | $99,948 | $78,476 | $80,734 |
| Homes lived in by their owners | 78% | 63% | 65% |
| Owner homes with a mortgage | 69% | 56% | 61% |
| Median monthly costs, owners with a mortgage | $2,126 | $2,106 | $1,963 |
| Those costs as a share of the owners' income | 21.4% | 21.7% | 21.0% |
| Median rent | $1,659 | $1,403 | $1,413 |
| Rent as a share of renters' income | 28.7% | 30.9% | 30.6% |
| Median year homes were built | 2002 | 1992 | 1980 |
| Vacant homes | 4.0% | 9.4% | 10.1% |
| Population | 44,050 | 30,188,424 | 334,922,499 |
What a typical home costs per month in Schertz
At this week's average 30-year rate of 7.11%, buying the median Schertz home of $317,100 with 20% down costs about $2,264 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,792, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $97,032 for the 20%-down payment. That payment is 27% of the median Schertz household income of $99,948; at that income and 20% down, the 28% guideline points to a home of about $327,000.
The median rent here is $1,659 a month, so owning the median home costs about $605 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $63,420 |
|---|---|
| Loan amount | $253,680 |
| Principal and interest | $1,707 |
| Property taxes (1.61% a year) | $425 |
| Homeowners insurance (our estimate, 0.5% a year) | $132 |
| PMI | $0 |
| Total per month | $2,264 |
Change the numbers in the calculator
| Down payment | $11,098 |
|---|---|
| Loan amount | $311,357 |
| Principal and interest | $2,095 |
| Property taxes (1.61% a year) | $425 |
| Homeowners insurance (our estimate, 0.5% a year) | $132 |
| FHA mortgage insurance | $140 |
| Total per month | $2,792 |
Change the numbers in the calculator
Questions about home buying in Schertz
What is the median home value in Schertz?
About $317,100 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Schertz?
Homeowners pay a median $5,090 a year, which is about 1.61% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Schertz?
For the median home with 20% down at 7.11%, the payment is about $2,264 a month. Keeping that under 28% of gross income takes about $97,032 a year.
More about Schertz
- Mortgage Refinance in Schertz
- Debt Relief in Schertz
- Home Equity Loans in Schertz
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data