Schertz, TX—78154
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Schertz, TX
As of Oct '25, the median home price in Schertz, TX is $309,000, with a year-over-year change of -3.5%. This indicates that home prices in Schertz, TX are decreasing. According to Zillow, the 1-year price projection is -1.0%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $309,000 | -3.5% |
| Single Family | $309,000 | -3.7% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $176,000 | -6.9% |
3 Bed | $279,000 | -3.8% |
4 Bed | $358,000 | -2.7% |
| 5 Bed | $458,000 | -2.3% |
% of Housing Stock
Rental Trends — Schertz, TX
As of July '25, Rentcast reports the average rent in Schertz, TX is $1,920, with a year-over-year rent change of -0.5%. Per bedroom, the median rent as of July '25 in Schertz, TX is studios: $1,320, 1-bedrooms: $1,040, 2-bedrooms: $1,200, 3-bedrooms: $1,780, 4-bedrooms: $2,380. The most common rental property sizes in Schertz, TX are 3-bedroom and 2-bedroom, accounting for 42.6% and 30.0% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $1,900 | $1,920 |
| Studio Rent | $767 | $1,320 |
| 1 Bed Rent | $1,050 | $1,040 |
| 2 Bed Rent | $1,160 | $1,200 |
| 3 Bed Rent | $1,800 | $1,780 |
| 4 Bed Rent | $2,300 | $2,380 |
% of Rental Stock
Property Listings — Schertz, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Schertz, TX is 68. This is a increase of 12.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 33.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $350,000 | -2.0% |
Listing Count | 256 | 24.0% |
| Listings as % of Homes | 1.0% | 24.0% |
Days on Market | 68 | 12.0% |
Demographics — Schertz, TX
As of the latest ACS Survey released in 2023, Schertz, TX has a population of 40,900, which has increased by 2.0% over the past 5 years. Schertz, TX is a moderately popular place for families, as children make up 23.4% of the population. The area has a moderately educated workforce, with 40.3% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 17.0% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 40,900 | 2.0% |
% Under 18 | 23.4% | -14.0% |
% Seniors | 13.4% | 19.6% |
% WFH | 17.0% | 295.3% |
% w/ College Degree | 40.3% | 8.0% |
As of the latest ACS Survey released in 2023, Schertz, TX is a predominantly white area, with 46.5% of the population identifying as white. The white population has shrunk by 0.4% in the last 5 years. The second most common race or ethnicity in Schertz, TX is hispanic, making up 31.5% of the population. Foreign-born residents account for 6.4% of the population in Schertz, TX, and this percentage has decreased by 19.0% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 46.5% | -0.4% |
% Black | 15.6% | 24.8% |
% Hispanic | 31.5% | 0.0% |
% Asian | 1.9% | -51.3% |
% Foreign Born | 6.4% | -19.0% |
Mortgage and Risk — Schertz, TX
According to HUD data as of 2023, there were 1032 mortgage originations in Schertz, TX, of which 50.0% of loans were conventional mortgages. The average loan-to-value was 75.0%, with 51.0% above 90% LTV (very high). This implies large mortgage risk in Schertz, TX. Investor activity is low, as 2.0% of loans were by investors. 17.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 1,032 |
% Conventional Loans | 50.0% |
% Government Loans | 50.0% |
% Investor Loans | 2.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 17.0% |
Loan Activity
Rentals and Section 8 — Schertz, TX
As of 2024, the percent of homes in Schertz, TX under the Section 8 program is 1.4%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Schertz, TX, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 131 |
Total Units Section 8 | 55 |
% Rentals under Section 8 | 1.4% |
% Occupied Section 8 | 90.0% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $530 | $1,050 | $1,580 |
| 2 Bedroom | $760 | $1,160 | $1,920 |
| 3 Bedroom | $640 | $1,800 | $2,440 |
| 4 Bedroom | $570 | $2,300 | $2,870 |
Affordability — Schertz, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.4 |
| Median Home Price | $309,000 |
| Median Household Income | $97,500 |