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Schertz city, TX

ZIP 78154 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78154

Median Home Value
$296,400
Median Rent
$1,396
Affordability Snapshot
$82,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,904/mo PITI).

17%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.7 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 78154 in Schertz city, TX, a household would need roughly $82,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,904. That sits below the local median household income ($97,465), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
70.0%+7% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
3.3%-77% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
2.6%-62% vs US avg
x
Rent Burden >30%
14.3%-71% vs US avg
x
Mortgage-Free
31.1%-19% vs US avg
x
$296,400
Home Value
$1,396
Rent
2003
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached80.2%
  • 1-unit attached1.1%
  • 2-9 units5.3%
  • 10+ units10.9%
  • Mobile home & other2.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$296,400
Median rent$1,396
Owner-occupied70.0%
Vacant4.4%
Price-to-income3.0x
Est. income to buy$82,000