Rent vs Buy in San Antonio, Texas
Should you rent or buy in San Antonio? Get a personalized analysis based on current San Antonio housing market data.
Our Recommendation for San Antonio
In San Antonio, Texas, renting may be more advantageous than buying. Over 10 years, renting and investing the difference could build approximately $143K more wealth. This is a strong recommendation based on current market conditions.
Break-even
N/A
10-Year Advantage
$143,000
renting wins
Confidence
100%
Price-to-Rent
15.5
San Antonio Market Statistics
Median Home Price
$252,852.54
-37% vs national
Median Rent
$1,362.1/mo
-22% vs national
Property Tax Rate
1.80%
Price Change (1 Year)
-3.0%
Price Change (5 Year)
-15.3%
Price-to-Rent Ratio
15.5
-163% vs national avg
Income to Afford
$77,544
Days on Market
35 days
Data sources: Zillow, Tax Foundation. Last updated: 12/30/2025
San Antonio Market Insights
San Antonio's home prices have decreased 3.0% over the past year. This could present buying opportunities, but potential buyers should consider whether this trend might continue before committing.
San Antonio's price-to-rent ratio of 15.5 is in the moderate range (15-20). Neither buying nor renting has a clear mathematical advantage based on this metric alone. Your decision should weigh personal factors like job stability and how long you plan to stay.
Home prices in San Antonio are 37% below the national median of $402,356. This relative affordability could make homeownership more accessible than in many other major cities.
About This Analysis
These insights are generated based on current San Antonio market data including median home prices, rental rates, property taxes, and historical appreciation. The analysis uses standard assumptions (20% down payment, 7% interest rate, 10-year horizon) for comparability. Your specific situation may differ—use our calculator below to run personalized numbers.
Run Your Own Numbers
Our analysis uses standard assumptions. Your situation may be different. Use our full Buy vs Rent calculator to input your specific income, down payment, and financial goals.
Compare Nearby Markets
See how San Antonio compares to other cities in Texas and the surrounding area.
| City | Median Home | Median Rent | Verdict |
|---|---|---|---|
| San Antonio(current) | $252,852.54 | $1,362.1 | Rent |
| Houston | $277,739.66 | $1,583.64 | Rent |
| Dallas | $303,489.84 | $1,635.42 | Rent |
| Austin | $467,178.32 | $1,595.22 | Rent |
Click on a city name to see its detailed rent vs buy analysis.
Frequently Asked Questions
Based on current San Antonio market data (median home price: $252,852.54, median rent: $1,362.1/month), our analysis suggests renting. The break-even point is approximately N/A years. However, your personal situation (income, savings, job stability, plans to stay) significantly impacts this decision. Use our calculator to run your specific numbers.
Our Methodology
Our rent vs buy analysis uses a comprehensive financial model that compares the total cost of homeownership against renting and investing the difference. Here's how we calculate each verdict:
1Buying Costs We Include
- Mortgage principal and interest (P&I)
- Property taxes (using local rates)
- Homeowner's insurance
- PMI (if down payment is less than 20%)
- Maintenance costs (1-2% of home value/year)
- Transaction costs (closing costs, realtor fees)
- Home appreciation over time
2Renting + Investing Assumptions
- Monthly rent with annual increases (~3%/year)
- Renter's insurance
- Down payment invested in stock market
- Monthly savings (buy cost - rent cost) invested
- 7% average annual stock market returns
- Investment growth over holding period
Standard Assumptions for City Analysis
Down Payment
20%
Interest Rate
7.0%
Loan Term
30 years
Time Horizon
10 years
How We Determine the Verdict
- Buy: When buying builds $20,000+ more wealth than renting over 10 years
- Rent: When renting + investing builds $20,000+ more wealth than buying over 10 years
- Toss-Up: When the difference is less than $20,000 either way—lifestyle factors should guide your decision
Note: This analysis provides general guidance based on market averages. Individual results will vary based on specific property characteristics, negotiated prices, timing, and personal financial factors. Always run your own numbers with our full calculator for personalized results.
Explore More Cities
More in Texas
- Houston$278k
- Dallas$303k
- Austin$467k
- Fort Worth$317k
- Arlington$317k
Similar Price Range
- Philadelphia, PA$229k
- Jacksonville, FL$289k
- Columbus, OH$288k
- Indianapolis, IN$227k
- Memphis, TN$216k
Ready to Run Your Numbers?
This analysis uses standard assumptions. Your situation is unique. Use our comprehensive Buy vs Rent calculator to input your specific income, savings, down payment, and financial goals.
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