Market Overview
Home Prices in Schertz, TX
The median home value in Schertz, TX is $317,015 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.3% compared to a year ago and down 2.9% from two years prior.
Compared to the U.S. national median of $410,000, homes in Schertz are priced23% below average. Schertz is part of the San Antonio-New Braunfels, TX metro area.
Over the past five years, Schertz home values have risen by approximately12.4%, reflecting steady appreciation in this market.
Price History
Schertz Home Price Trend
City Comparison
Schertz vs. National Median
At $317,015, homes in Schertz cost 23% below the national median of $410,000. This makes Schertz a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Schertz?
20% Down Payment
$63,403
on $317,015
Monthly P&I
$1,653/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,099/mo
incl. taxes & insurance
Income Needed
$83,960
gross annual (30% rule)
10% Down Option
$31,702
+ PMI applies
Loan Amount (20% dn)
$253,612
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 Schertz, TX?
The median home value in Schertz is $317,015 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.3% year-over-year.
How much have home prices changed in Schertz?
Over the past year, home values in Schertz have decreased by 1.3%. Over five years, prices have risen approximately 12.4%.
How much do I need to earn to buy a home in Schertz?
To comfortably afford the median home price of $317,015 with a 20% down payment ($63,403) at today's rates (6.8%), you'd need a gross annual income of approximately $83,960. This assumes keeping total housing costs at or below 30% of gross income.
How does Schertz compare to the national average home price?
The national median home value is approximately $410,000. At $317,015, homes in Schertz are 23% below the national average.
What metro area is Schertz part of?
Schertz is part of the San Antonio-New Braunfels, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.