
San Antonio VA Homebuyer Resources
Welcome to the San Antonio Blog Hub — your go-to resource for Veterans, active-duty service members, and military families looking to buy a home in the greater San Antonio area.
Whether you’re stationed at Lackland AFB, Fort Sam Houston, or Randolph AFB, this page will support your PCS move, simplify the VA loan process, and help you explore the best neighborhoods to call home.
From in-depth area guides to tips on using your VA benefits wisely in today’s market, our content is tailored to the unique needs of military homebuyers.
📍 Bases We Cover:
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Lackland Air Force Base
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Fort Sam Houston
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Randolph Air Force Base
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Camp Bullis
Each base has unique surrounding communities and housing options — and we’ve covered them all with Veteran families in mind.VA Loan Limits in San Antonio
For eligible Veterans with full entitlement, there are no VA loan limits; you can borrow as much as a lender is willing to lend without needing a down payment. However, for those with remaining entitlement, the VA loan limits align with the Federal Housing Finance Agency’s conforming loan limits. In most U.S. counties, including Bexar County (San Antonio), the limit for a single-family home in 2025 is $806,500.
Why San Antonio Is a Top City for Veterans to Buy a Home
San Antonio isn’t just home to three major military installations — it’s a city built around military families. With its affordable housing, strong sense of community, and abundance of VA-eligible properties, it’s consistently ranked as one of the best cities in the U.S. for Veterans and active-duty homebuyers.
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No state income tax in Texas means more take-home pay
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Generous Veteran property tax exemptions (even full relief if you’re 100% disabled)
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A strong network of VA-experienced lenders, agents, and builders
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Local resources like VetStrong, Texas Veterans Commission, and USAA HQ right in town
🏡 VA Loan Benefits in San Antonio
Using your VA loan in San Antonio gives you major advantages over conventional buyers.
Key Benefits Include:
✅ $0 Down Payment
✅ No PMI Required
✅ Competitive Interest Rates
✅ Lenient Credit Guidelines
✅ Ability to reuse your VA loan benefit
And with San Antonio’s rising home values but still below-average price points compared to other major metros, your VA loan stretches further here — making it an ideal place to build long-term equity.
From Our San Antonio Blog
Best Neighborhoods in San Antonio for Veterans
Top Places to Live Near Lackland AFB
Top San Antonio Neighborhoods for Veterans
Neighborhood | Median Home Price | Est. Monthly VA Mortgage Payment | Proximity to Bases | Notable Features |
---|---|---|---|---|
Alamo Ranch | $325,000 | $1,975 | Near Lackland AFB | Family-friendly, excellent schools, modern amenities |
Stone Oak | $350,000 | $2,125 | Moderate distance to all bases | Gated communities, top-rated schools, suburban feel |
Cibolo | $300,000 | $1,825 | Close to Randolph AFB | Rapid growth, affordable new constructions, community parks |
Schertz | $310,000 | $1,885 | Close to Randolph AFB | Small-town charm, good schools, family-oriented |
Helotes | $340,000 | $2,065 | Moderate distance to Lackland AFB | Scenic views, low crime rates, suburban-rural mix |
Universal City | $280,000 | $1,705 | Adjacent to Randolph AFB | Military-friendly, affordable housing, established community |
Converse | $270,000 | $1,645 | Close to Randolph AFB | Growing area, new developments, budget-friendly options |
Neighborhood Insights
Alamo Ranch: As one of the fastest-growing communities in San Antonio, Alamo Ranch offers modern homes with access to shopping centers, parks, and top-rated schools. Its proximity to Lackland AFB makes it a preferred choice for many military families.
Stone Oak: Known for its upscale ambiance, Stone Oak features gated communities and a suburban lifestyle. While it’s a bit farther from military bases, the area’s amenities and safety appeal to those seeking a higher-end living experience.
Cibolo: Located northeast of San Antonio, Cibolo has seen rapid development, offering new construction homes at competitive prices. Its closeness to Randolph AFB and community-focused atmosphere make it ideal for military personnel.
Schertz: Adjacent to Cibolo, Schertz combines small-town charm with modern conveniences. The city hosts various community events and boasts parks and recreational facilities, fostering a family-friendly environment.
Helotes: Nestled on the northwest side, Helotes offers a blend of suburban and rural living. With scenic hill country views and a tight-knit community, it’s suitable for those seeking tranquility without being too far from city amenities.
Universal City: Directly neighboring Randolph AFB, Universal City is inherently military-friendly. The area provides affordable housing options and has a well-established community with various local businesses and eateries.
Converse: An emerging suburb with a focus on growth, Converse presents budget-friendly housing, including new developments. Its proximity to Randolph AFB and increasing amenities make it an attractive option for Veterans.
BAH Rates in San Antonio
Understanding BAH Rates in San Antonio
San Antonio is one of the most affordable and military-friendly cities in Texas — and your Basic Allowance for Housing (BAH) goes a long way here. Your monthly BAH can cover most or all of your mortgage payment when using a VA loan.
In 2025, BAH rates for San Antonio (MHA: TX285) have increased to reflect rising housing costs, giving military members more buying power than ever. Your exact rate depends on your pay grade and whether you have dependents.
When paired with your VA loan benefit, BAH can help you:
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Buy a home with no down payment
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Avoid PMI (Private Mortgage Insurance)
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Keep your out-of-pocket costs low
💡 Pro tip: In many cases, your BAH can fully cover your monthly mortgage, taxes, and insurance — making homeownership as affordable as renting.
Pay Grade | With Dependents | Without Dependents |
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E-1 to E-4 | $1,884 | $1,884 |
E-5 | $2,044 | $2,044 |
E-6 | $2,260 | $2,260 |
E-7 | $2,282 | $2,282 |
E-8 | $2,291 | $2,291 |
E-9 | $2,319 | $2,319 |
W-1 | $2,279 | $2,279 |
W-2 | $2,288 | $2,288 |
W-3 | $2,301 | $2,301 |
W-4 | $2,341 | $2,341 |
W-5 | $2,435 | $2,435 |
O-1 | $2,285 | $2,285 |
O-2 | $2,294 | $2,294 |
O-3 | $2,354 | $2,354 |
O-4 | $2,464 | $2,464 |
O-5 | $2,602 | $2,602 |
O-6 | $2,621 | $2,621 |
O-7 | $2,637 | $2,637 |
Find Your Ideal Property in San Antonio, TX
Popular searches in San Antonio, TX
Property types in San Antonio, TX
Homes by price in San Antonio, TX
Neighborhoods near San Antonio, TX
Stone Oak Homes for Sale
$521,000
Vance Jackson Homes for Sale
$325,000
Jefferson Homes for Sale
$309,500
Highland Park Homes for Sale
$244,500
Heritage Homes for Sale
$235,000
Highland Hills Homes for Sale
$199,999
Greater Harmony Hils Homes for Sale
$382,450
Dignowity Hill Homes for Sale
$350,000
Downtown San Antonio Homes for Sale
$632,000
Prospect Hill Homes for Sale
$149,900
Alamo Farmsteads Homes for Sale
$307,000
Northwest Crossing Homes for Sale
$239,990
Helotes Homes for Sale
$480,000
The Dominion Homes for Sale
$1,100,000
Mahncke Park Homes for Sale
$480,000
Alamo Ranch Homes for Sale
$410,000
Dellview Homes for Sale
$221,500
Terrell Heights Homes for Sale
$312,500
Lavaca Homes for Sale
$489,500
Cities in San Antonio, TX
Alamo Heights Homes for Sale
$490,000
Converse Homes for Sale
$274,900
Schertz Homes for Sale
$360,000
Universal City Homes for Sale
$292,495
Live Oak Homes for Sale
$286,999
Leon Valley Homes for Sale
$250,000
Kirby Homes for Sale
$200,000
Selma Homes for Sale
$300,000
Helotes Homes for Sale
$485,000
Boerne Homes for Sale
$625,000
Bulverde Homes for Sale
$480,000
Cibolo Homes for Sale
$359,995
New Braunfels Homes for Sale
$399,900
Seguin Homes for Sale
$295,000
Fair Oaks Ranch Homes for Sale
$745,000
Floresville Homes for Sale
$310,000
La Vernia Homes for Sale
$580,000
Devine Homes for Sale
$250,000
Hondo Homes for Sale
$240,000
Castroville Homes for Sale
$597,900
Lytle Homes for Sale
$260,000
Elmendorf Homes for Sale
$288,470
Somerset Homes for Sale
$230,000
Poteet Homes for Sale
$349,000
Pleasanton Homes for Sale
$280,000
Counties near San Antonio, TX
Bexar County Homes for Sale
$299,000
Comal County Homes for Sale
$489,995
Medina County Homes for Sale
$460,000
Atascosa County Homes for Sale
$299,999
Wilson County Homes for Sale
$524,900
Hays County Homes for Sale
$420,000
Guadalupe County Homes for Sale
$319,900
Travis County Homes for Sale
$575,000
Bandera County Homes for Sale
$450,000
Kendall County Homes for Sale
$675,000
Williamson County Homes for Sale
$450,000
Kerr County Homes for Sale
$499,000
Blanco County Homes for Sale
$598,000
Burnet County Homes for Sale
$569,000
Bastrop County Homes for Sale
$420,000
Webb County Homes for Sale
$259,500
Uvalde County Homes for Sale
$359,000
Live Oak County Homes for Sale
$288,000
Gonzales County Homes for Sale
$299,900
Caldwell County Homes for Sale
$336,750
Zip codes near San Antonio, TX
78253 Homes for Sale
$359,999
78245 Homes for Sale
$297,250
78209 Homes for Sale
$420,003
78254 Homes for Sale
$340,000
78258 Homes for Sale
$539,900
78260 Homes for Sale
$582,450
78247 Homes for Sale
$309,947
78210 Homes for Sale
$265,000
78233 Homes for Sale
$252,777
78250 Homes for Sale
$258,250
78249 Homes for Sale
$315,000
78223 Homes for Sale
$224,900
78230 Homes for Sale
$375,000
78244 Homes for Sale
$241,250
78261 Homes for Sale
$537,450
78201 Homes for Sale
$256,500
78255 Homes for Sale
$806,999
78212 Homes for Sale
$437,000
78240 Homes for Sale
$279,947
78232 Homes for Sale
$422,450
Schools in San Antonio, TX
About the San Antonio, TX Housing Market
Facts About San Antonio, TX Real Estate Market
San Antonio, TX, is a thriving city with a diverse housing market that caters to a wide range of buyers and renters. Here’s a comprehensive look at some key facts and figures:
- Median Listing Home Price: The median price for homes currently listed in San Antonio is $293,000, making it an affordable option compared to other major Texas cities. This affordability attracts both first-time homebuyers and seasoned investors.
- Median Days on Market: Homes in San Antonio spend an average of 70 days on the market, reflecting a balanced market where buyers have options but homes don’t linger for too long.
- Median Listing Home Price Per Square Foot: The median price per square foot for listings in San Antonio is $168, offering great value for those looking to maximize their investment.
- Active Listings: With 12,567 active listings, San Antonio offers a variety of options, including single-family homes, condos, townhomes, and luxury properties.
- Median Rent: For renters, the median monthly rent in San Antonio is $1,650, appealing to those who prefer leasing while enjoying the city’s amenities.
San Antonio, TX real estate & homes for sale
What is the median home price in San Antonio, TX?
Homes for sale in San Antonio, TX, have a median listing price of $320,000.
What is the average time to sell a house in San Antonio, TX?
On average, houses for sale in San Antonio spend about 55 days on the market.
What is the number of active homes for sale in San Antonio, TX?
There are currently around 3,200 active homes for sale in San Antonio, TX.
What are some of the most popular neighborhoods near San Antonio, TX?
Some of the hottest neighborhoods near San Antonio include Alamo Heights, Stone Oak, Downtown San Antonio, Westover Hills, and Terrell Hills.
What are some popular zip codes and neighborhoods around San Antonio, TX?
You may also be interested in homes for sale in popular zip codes like 78247, 78258, and 78209, or checking out neighborhoods like Helotes, Universal City, and Cibolo.
Why Buy a Home in San Antonio, TX?
San Antonio offers a unique blend of rich history, vibrant culture, and modern amenities. Known for its affordable housing market, diverse neighborhoods, and strong job market, the city attracts a wide range of buyers. Whether you’re looking for a family-friendly suburb, a trendy downtown condo, or a quiet retreat, San Antonio has something for everyone.
Top Features of Homes in San Antonio
- Architectural Styles: From Spanish-style homes to contemporary designs.
- Neighborhood Amenities: Many communities offer parks, pools, and walking trails.
- Price Range: Options for every budget, from starter homes to luxury estates.
- Energy Efficiency: Modern homes with green building features.
Real Estate Market Trends in San Antonio
- Median home prices and market appreciation trends.
- Insights on buyer demand and inventory levels.
- Seasonal factors influencing the market.
Tips for Buying a Home in San Antonio
- Partner with a local real estate expert who knows the market.
- Get pre-approved for a mortgage to understand your budget.
- Explore different neighborhoods to find the right fit for your lifestyle.
Top Neighborhoods and Schools in San Antonio
Neighborhood | Average Home Price | School Rating | Crime Rate | Local Amenities |
---|---|---|---|---|
Alamo Heights | $625,000 | 9 | Low | Shopping, Dining |
Stone Oak | $350,000 | 8 | Very Low | Golf, Shopping |
Helotes | $400,000 | 8 | Low | Parks, Trails |
Downtown | $500,000 | 7 | Moderate | Arts, Culture |
Monte Vista | $750,000 | 9 | Low | Historic Sites, Parks |
King William | $575,000 | 9 | Low | Arts, Dining |
The Dominion | $800,000 | 8 | Very Low | Golf, Gated |
Related Resources
- Home Buying Guide: A step-by-step first-time homebuyers guide with practical advice and tips.
- San Antonio Relocation Guide: A Veterans guide to relocating to San Antonio.
- San Antonio Market Reports: Stay updated on the latest real estate trends with our San Antonio market report.
Schools in San Antonio, TX
Elementary Schools in San Antonio
School Name | Address | Student-Teacher Ratio | Total Students | Great Schools Rating |
---|---|---|---|---|
McQueeney Elementary School | 2550 FM725, McQueeney, TX 78123 | 14 | 347 | 7 |
Linton Elementary School | 2100 Oakhill Rd, San Antonio, TX 78238 | 13 | 547 | 6 |
Elm Creek Elementary School | 11535 Pearsall Rd, San Antonio, TX 78245 | 16 | 703 | 8 |
Big Country Elementary School | 2255 Little Creek Dr, San Antonio, TX 78245 | 15 | 691 | 7 |
Middle Schools in San Antonio
School Name | Address | Student-Teacher Ratio | Total Students | Great Schools Rating |
---|---|---|---|---|
Charlotte Middle School | 70 Charger Dr, Charlotte, TX 78011 | 10 | 141 | 5 |
Connell Middle School | 400 Hot Wells Blvd, San Antonio, TX 78223 | 15 | 582 | 4 |
Sun Valley Middle School | 257 Sun Valley Dr, San Antonio, TX 78227 | 16 | 634 | 7 |
Medio Creek Middle School | 12960 Trawalter Ln, Von Ormy, TX 78073 | 15 | 618 | 8 |
High Schools in San Antonio
School Name | Address | Student-Teacher Ratio | Total Students | Great Schools Rating |
---|---|---|---|---|
Young Women’s Leadership Academy | 2123 W Huisache Ave, San Antonio, TX 78201 | 21.2 | 424 | 9 |
Judson Early College Academy | 8230 Palisades Dr, Live Oak, TX 78233 | Not available | Not available | 9 |
Travis Early College High School | 1915 N Main Ave, San Antonio, TX 78212 | 23.0 | 437 | 8 |
Frequently Asked Questions
1. What is the median home price in San Antonio, TX?
The median home price in San Antonio is approximately $293,000. This affordability, compared to other major cities in Texas, makes San Antonio a great option for first-time buyers and those looking to get more value for their money. Prices vary depending on the neighborhood, property size, and features.
2. How long do homes typically stay on the market in San Antonio?
On average, homes in San Antonio spend about 70 days on the market. This timeline reflects a balanced market where buyers have opportunities to explore options without excessive competition, but well-priced homes in sought-after areas often sell faster.
3. What are the most popular neighborhoods for homebuyers in San Antonio?
Some of the top neighborhoods include:
- Stone Oak: Known for its family-friendly vibe and excellent schools.
- Alamo Heights: Offers historic charm and upscale living.
- Downtown San Antonio: Perfect for those seeking urban living with walkable amenities.
- Westover Hills: Features newer homes and easy access to major employers.
Each neighborhood offers unique benefits, so it’s worth exploring to find your perfect fit.
4. What should I consider when choosing a neighborhood in San Antonio?
Key factors include:
- Proximity to Work or Schools: Traffic can be a consideration, so choosing a neighborhood close to your daily destinations is crucial.
- Amenities: Look for nearby parks, restaurants, shopping centers, and healthcare facilities.
- Lifestyle Fit: Some areas like Downtown are more urban, while others like Helotes offer a suburban or rural feel.
5. Are there new construction homes available in San Antonio?
Yes, San Antonio has a growing inventory of new construction homes, particularly in neighborhoods like Alamo Ranch and Cibolo. These homes often include modern layouts, energy-efficient features, and builder warranties. Buying new construction also allows for customization options to suit your preferences.
6. What is the property tax rate in San Antonio, TX?
The property tax rate in San Antonio typically ranges between 2% and 3% of a home’s assessed value, depending on the area and school district. While this is higher than the national average, Texas does not have a state income tax, which offsets the cost for many residents.
7. Is it better to rent or buy a home in San Antonio?
Buying is often a better long-term investment in San Antonio due to its relatively low home prices and steady market growth. With a median rent of $1,650, many residents find that their monthly mortgage payments can be similar or even lower than rent, especially with today’s competitive mortgage rates.
8. Do I need a real estate agent to buy a home in San Antonio?
While not mandatory, working with a local real estate agent is highly recommended. An agent familiar with the San Antonio market can help you:
- Identify the best neighborhoods for your needs.
- Negotiate the best price and terms.
- Navigate paperwork and closing processes smoothly.
Having an expert on your side ensures you make informed decisions and avoid potential pitfalls.