Market Overview
Home Prices in Bandera, TX
The median home value in Bandera, TX is $344,999 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 3.2% compared to a year ago and up 0.5% from two years prior.
Compared to the U.S. national median of $410,000, homes in Bandera are priced16% below average. Bandera is part of the San Antonio-New Braunfels, TX metro area.
Over the past five years, Bandera home values have risen by approximately13.3%, reflecting steady appreciation in this market.
Price History
Bandera Home Price Trend
City Comparison
Bandera vs. National Median
At $344,999, homes in Bandera cost 16% below the national median of $410,000. This makes Bandera a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Bandera?
20% Down Payment
$69,000
on $344,999
Monthly P&I
$1,799/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,285/mo
incl. taxes & insurance
Income Needed
$91,400
gross annual (30% rule)
10% Down Option
$34,500
+ PMI applies
Loan Amount (20% dn)
$275,999
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Bandera, TX?
The median home value in Bandera is $344,999 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 3.2% year-over-year.
How much have home prices changed in Bandera?
Over the past year, home values in Bandera have decreased by 3.2%. Over five years, prices have risen approximately 13.3%.
How much do I need to earn to buy a home in Bandera?
To comfortably afford the median home price of $344,999 with a 20% down payment ($69,000) at today's rates (6.8%), you'd need a gross annual income of approximately $91,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Bandera compare to the national average home price?
The national median home value is approximately $410,000. At $344,999, homes in Bandera are 16% below the national average.
What metro area is Bandera part of?
Bandera is part of the San Antonio-New Braunfels, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.