Homes for Sale in Schertz, Texas
✅ A Team of VA-Savvy Agents Who Truly Get It
- ✅ Carefully Selected for VA Expertise:
Our agents are chosen based on real-world experience helping Veterans and Military families succeed. These are professionals who deliver — not guess. - ✅ Skilled in the VA Loan Process:
From entitlement usage to appraisal requirements, our agents know the ins and outs of VA loans and how to guide you through without costly delays or surprises. - ✅ Advocating for You at the Closing Table:
Our team doesn’t just negotiate the price — they push to get seller-paid closing costs so you save cash upfront. It’s about maximizing your VA benefit. - ✅ Managing All Inspections:
We’ll handle scheduling and communication for your home inspections, keeping everything moving and making sure you’re informed at every step. - ✅ VA Appraisal-Ready Homes:
Our agents flag potential issues before they become problems, helping ensure the property passes VA standards and avoids setbacks. - ✅ Virtual Home Tours Available:
Relocating on short notice? We’ve got you covered. We offer live video walkthroughs so you can view homes from anywhere — ideal for PCS moves or overseas buyers. - ✅ Led by Levi Rodgers:
Founded by retired Green Beret and Purple Heart recipient Levi Rodgers, our team is built on trust, integrity, and shared service. We understand Military life — because we’ve lived it.
Find Your Ideal Property in Schertz, TX
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About the Schertz, TX Housing Market
Facts About Schertz, TX Real Estate Market
Plano, TX, stands out as a Military- and Veteran-friendly city in North Texas, offering a stable housing market and excellent community amenities. Whether you're utilizing a VA loan or exploring local homebuyer programs, here are key facts that make Plano a smart place to buy or rent:
- Median Listing Home Price: As of April 2025, the median listing price for homes in Plano is approximately $544,633, reflecting the city's desirable location, quality school districts, and overall quality of life for Veterans and Military families.
- Median Days on Market: Properties in Plano typically spend around 31 days on the market, providing Military buyers ample time to compare options while remaining competitive in a fast-moving market.
- Price Per Square Foot: The median listing price per square foot is approximately $228, offering solid value for Veterans looking to maximize their Basic Allowance for Housing (BAH) and build long-term equity.
- Active Listings: There are currently over 1,000 active listings in Plano, providing Veterans with access to a diverse mix of single-family homes, townhomes, and condos in VA loan-eligible neighborhoods.
- Median Rent: The median monthly rent in Plano is around $2,150, which can be a suitable short-term option for transitioning service members or Veterans evaluating neighborhoods before purchasing.
Why Veterans Should Buy a Home in Schertz
Schertz, Texas, is a smart choice for Veterans and Military families settling in Central Texas. With its small-town charm, proximity to Randolph Air Force Base, and family-friendly neighborhoods, Schertz is ideal for those transitioning from service, relocating under PCS orders, or using their VA loan benefit to buy a long-term home.
Why Schertz Is a Great Fit for Military Homebuyers
- Proximity to Randolph AFB: Located just minutes from Randolph Air Force Base, Schertz neighborhoods offer an easy commute for active-duty service members and DoD civilians.
- Wide Range of Homes: From single-story ranches to newly built homes in master-planned communities, Schertz provides a variety of property types to suit different lifestyles and budgets.
- VA-Friendly Price Points: Many homes in Schertz fall well within BAH limits, making it easier for Veterans to purchase using full VA loan entitlement without needing a down payment.
- Family-Focused Living: Parks, splash pads, walking trails, and top-rated schools make Schertz a comfortable and safe place for Military families to thrive.
Schertz Real Estate Snapshot for 2025
- Stable Property Values: Schertz continues to see gradual home appreciation, helping VA buyers build equity while living close to base and community resources.
- Ample Inventory: The local housing market typically includes a solid mix of new construction and resale homes, with many meeting VA appraisal and condition standards.
- Strong Value for BAH: With median home prices under $360,000, most active-duty families can cover their mortgage — including taxes and insurance — using just their housing allowance.
Tips for Military Homebuyers in Schertz
- Choose a VA-Experienced Agent: Partner with a local real estate agent familiar with VA lending guidelines and base relocation timelines to keep your process smooth.
- Lock in VA Pre-Approval: Know your VA entitlement and how far your BAH stretches in the Schertz market before shopping — competition can be tight on move-in-ready homes.
- Prioritize VA-Approved Homes: Target properties that meet VA minimum property requirements (MPRs) to avoid delays during appraisal and underwriting.
Frequently Asked Questions
Definitely. Schertz is an ideal location for Veterans to use their VA loan benefits. You can purchase a single-family home, townhome, or VA-approved condo in and around Guadalupe and Bexar Counties.
2. What is the VA loan limit in Schertz for 2025?
If you have full VA entitlement, there is no official loan cap. For those with partial entitlement, the 2025 VA loan limit in Bexar County is $766,550.
3. Which neighborhoods in Schertz are popular with Military families?
Areas like Belmont Park, Kramer Farm, and Carolina Crossing are great choices for Military buyers. These communities offer solid schools, nearby parks, and easy access to Randolph AFB.
4. Can my BAH cover a mortgage in Schertz?
In most situations, yes. Schertz home prices often align well with Military BAH rates, especially for E-5 and above. Many buyers can cover their full mortgage, taxes, and insurance.
5. Are there any homebuyer programs for Veterans in Schertz?
Absolutely. In addition to $0-down VA loans, you may be eligible for help from TSAHC, Homes for Texas Heroes, or the Texas Veterans Land Board programs.
6. What types of homes can I finance with a VA loan?
VA loans can be used to buy single-family homes, eligible duplexes, and approved condos, as long as you occupy one unit and the property meets VA safety and livability standards.
7. Can I use my VA loan again if I’ve used it before?
Yes. If you still have entitlement left or restore it after selling a VA-financed home, you can reuse your benefit to purchase another home — even in a different city.
8. How can I tell if a home will pass a VA appraisal?
VA appraisers look for safety, habitability, and basic functionality. Homes in good condition, with working systems and no major issues, usually meet the requirements.
9. What should I expect for property taxes in Schertz?
While Texas has no state income tax, property taxes can be higher than average. However, disabled Veterans may qualify for generous exemptions — even 100% tax relief in some cases.
10. How do I get started with the VA loan process in Schertz?
Begin by requesting your Certificate of Eligibility (COE). Then connect with a VA-experienced lender and real estate agent who understands the local market and VA guidelines. From there, get pre-approved and begin your search.
Top Neighborhoods and Schools in Schertz
Schertz, Texas, offers a variety of neighborhoods that cater to the lifestyle and needs of Veterans and Military families—whether you're relocating with a VA loan, retiring in Central Texas, or commuting to nearby bases like Randolph Air Force Base. Here's a side-by-side comparison of top areas in Schertz:
| Neighborhood | Avg. Home Price | School Rating (1–10) | Crime Rate | Military & Veteran Perks |
|---|---|---|---|---|
| Northcliffe | $364,000 | 7 | Low | Proximity to Randolph AFB, family-friendly community |
| Woodland Oaks | $350,000 | 7 | Low | Quiet neighborhood with easy access to schools and parks |
| Belmont Park | $340,000 | 6 | Moderate | Affordable housing options, close to shopping centers |
| Jonas Woods | $330,000 | 6 | Moderate | Established community with mature trees and amenities |
| Riata | $320,000 | 6 | Moderate | Newer homes, community pool, and playgrounds |
| Estates of Kensington Ranch | $310,000 | 6 | Moderate | Spacious homes, convenient location near highways |
Top Schertz Schools Serving These Neighborhoods
| School | Type | GreatSchools Rating |
|---|---|---|
| Garden Ridge Elementary School | Elementary | 9 |
| John A. Sippel Elementary School | Elementary | 7 |
| Norma J. Paschal Elementary School | Elementary | 6 |
| Ray D. Corbett Junior High School | Middle | 5 |
| Samuel Clemens High School | High | 6 |
| Byron P. Steele II High School | High | 7 |
Homebuyer Programs for Veterans in Schertz
Plano offers a variety of housing assistance programs tailored for both Veterans and general homebuyers. Below is an overview of these programs:
1. Homes for Texas Heroes Program (TSAHC)
Offered by the Texas State Affordable Housing Corporation, this program assists Veterans with down payment assistance and fixed-rate mortgage loans.
- Down payment assistance of 3% to 5% of the loan amount
- Options for grants or deferred forgivable second lien loans
- Available to Veterans, active-duty service members, and surviving spouses
- No first-time homebuyer requirement
2. Texas Veterans Land Board (VLB) Veterans Housing Assistance Program
This state-run program offers competitive, low-interest home loans to Texas Veterans.
- Financing up to $806,500 for eligible Veterans
- Can be combined with VA, FHA, or conventional loans
- Interest rate discounts for disabled Veterans and surviving spouses
- Also available for home improvements
Texas Veterans Land Board Page
3. HUD-Veterans Affairs Supportive Housing (HUD-VASH) Program
The HUD-VASH program combines Housing Choice Voucher (HCV) rental assistance for homeless Veterans with case management and clinical services provided by the Department of Veterans Affairs (VA).
- Rental assistance for homeless Veterans
- Case management and clinical services provided by the VA
- Administered locally by the Plano Housing Authority
Plano Housing Authority VASH Program
4. City of Plano First-Time Homebuyers Assistance & Educational Program
This program assists eligible low- and moderate-income households to buy a home in Plano by providing down payment and closing cost assistance.
- Assistance up to $10,000 (CDBG) or up to $55,000 (HOME)
- Deferred payment loans with 0% interest
- Homebuyer education class required
- Income and purchase price limits apply
5. City of Plano Housing Rehabilitation Program
This program provides assistance to eligible homeowners for necessary home repairs to maintain safe and decent housing.
- Repairs may include roofing, plumbing, electrical, and HVAC systems
- Assistance provided as a deferred, forgivable loan
- Income limits and other eligibility criteria apply
Schools in Schertz, TX
Top Schertz Neighborhoods for Veterans
| Neighborhood | Median Home Price | Est. Monthly VA Mortgage Payment | Proximity to Bases | Notable Features |
|---|---|---|---|---|
| Northcliffe | $364,000 | $2,215 | 10 mins to Randolph AFB | Golf course views, quiet streets, close to I-35 |
| Belmont Park | $340,000 | $2,075 | 12 mins to Randolph AFB | Affordable homes, HOA amenities, family-oriented |
| Woodland Oaks | $350,000 | $2,135 | 8 mins to Randolph AFB | Mature trees, parks, well-kept sidewalks |
| Riata | $320,000 | $1,960 | 15 mins to Randolph AFB | Community pool, newer homes, playgrounds |
| Jonas Woods | $330,000 | $2,025 | 10 mins to Randolph AFB | Spacious layouts, central location, mature landscaping |
| Kensington Ranch | $310,000 | $1,900 | 10 mins to Randolph AFB | Sidewalk-lined streets, newer construction, low HOA fees |
Neighborhood Insights
Northcliffe: Nestled around the Northcliffe Golf Club, this neighborhood offers peaceful living with scenic fairway views. It’s a favorite among Veterans for its proximity to Randolph AFB and easy access to I-35 and FM 1103.
Belmont Park: A family-focused community with newer homes, Belmont Park features HOA amenities like playgrounds and picnic areas. Its affordability and proximity to Military bases make it a top pick for first-time VA buyers.
Woodland Oaks: Known for its mature oak trees and quiet residential feel, Woodland Oaks is perfect for buyers looking for established homes with charm. Walking paths and community parks are neighborhood staples.
Riata: A newer development in the area, Riata is ideal for Military families seeking modern homes, good schools, and access to a neighborhood pool and playgrounds. The location offers a short drive to Randolph AFB and downtown Schertz.
Jonas Woods: With larger homes and a central location, Jonas Woods balances space and convenience. The neighborhood is close to local schools, shopping, and offers a welcoming environment for growing families.
Kensington Ranch: Offering a mix of affordable pricing and modern construction, Kensington Ranch appeals to VA loan buyers looking for value without sacrificing quality. Sidewalk-lined streets and a quiet vibe make it great for commuters and families alike.
BAH Rates in Schertz
Understanding BAH in Schertz, TX
Schertz is one of the most Veteran-supportive cities near San Antonio and Randolph Air Force Base — making it a prime location for Military families using their VA loan benefits. The Basic Allowance for Housing (BAH) in this region often covers the bulk of your mortgage.
As of 2025, BAH rates for Schertz (MHA: TX280) have increased in response to rising home values in the San Antonio metro area. These updated rates give service members more purchasing power and flexibility in choosing a home.
When combined with your VA loan, BAH can help you:
- Purchase a home with zero down payment
- Avoid paying monthly PMI (Private Mortgage Insurance)
- Minimize out-of-pocket expenses at closing
💡 Pro tip: In many Schertz neighborhoods, your monthly BAH can fully cover your mortgage, property taxes, and insurance — giving you the benefits of homeownership for less than the cost of renting.
| Pay Grade | With Dependents | Without Dependents |
|---|---|---|
| E-1 to E-4 | $2,142 | $2,142 |
| E-5 | $2,343 | $2,343 |
| E-6 | $2,568 | $2,568 |
| E-7 | $2,586 | $2,586 |
| E-8 | $2,610 | $2,610 |
| E-9 | $2,647 | $2,647 |
| W-1 | $2,587 | $2,587 |
| W-2 | $2,603 | $2,603 |
| W-3 | $2,618 | $2,618 |
| W-4 | $2,639 | $2,639 |
| W-5 | $2,666 | $2,666 |
| O-1 | $2,576 | $2,576 |
| O-2 | $2,589 | $2,589 |
| O-3 | $2,631 | $2,631 |
| O-4 | $2,647 | $2,647 |
| O-5 | $2,675 | $2,675 |
| O-6 | $2,702 | $2,702 |
| O-7 | $2,735 | $2,735 |
Why Schertz Is One of the Best Cities in Texas for Veterans to Buy a Home
Located just northeast of San Antonio, Schertz offers Military families and Veterans a welcoming environment, affordable housing options, and close proximity to Randolph Air Force Base. With a reputation for safety, strong community values, and VA loan-friendly neighborhoods, Schertz stands out as a smart choice for long-term homeownership in Central Texas.
- Texas has no state income tax — giving Veterans more monthly financial flexibility
- Eligible disabled Veterans can benefit from substantial property tax exemptions — up to full exemption for 100% service-connected disabilities
- Many local real estate professionals specialize in VA loans, offering guidance tailored to Military buyers
- Access to key Veteran support systems like the VA South Texas Health Care System, Texas Veterans Commission, and nearby VFW and American Legion chapters
🏡 VA Loan Advantages in Schertz
Using your VA loan benefit in Schertz opens the door to affordable homeownership near Randolph Air Force Base and the greater San Antonio area.
Here’s What You’ll Gain:
✅ No Down Payment Required
✅ No Private Mortgage Insurance (PMI)
✅ Lower-than-average Interest Rates
✅ Flexible Credit Requirements
✅ You can use your benefit more than once
Plus, with Schertz’s reasonable home prices, strong community schools, and growing property values, your VA loan goes further — helping you invest in a home and build equity without overextending your budget.
📍 Military Bases We Support Near Schertz
Schertz sits in a prime location for Military families stationed throughout the San Antonio region. While the city itself isn’t home to an installation, it’s just minutes from several major bases, making it a top choice for PCS moves and VA-backed home purchases.
- Randolph Air Force Base: Just 5–10 minutes from most neighborhoods in Schertz, Randolph AFB is a major training hub and part of JBSA. Communities like Northcliffe, Woodland Oaks, and Belmont Park are especially popular with Military families.
- Fort Sam Houston: Located about 25 minutes away, Fort Sam is home to Medical Education & Training Command and key administrative functions. Many service members stationed here choose Schertz for the suburban lifestyle and access to VA-friendly homes.
- Lackland Air Force Base: Roughly 35–40 minutes southwest, Lackland serves as a major entry point for enlisted Airmen. For families stationed there, Schertz offers quieter, family-oriented living outside the city core.
Whether you’re moving on orders or preparing to transition out of service, our team is here to help you navigate the Schertz housing market — with VA loan guidance, PCS timelines, and community insights tailored for Military buyers.
💰 2025 VA Loan Limits in Schertz (Bexar County)
A major perk of using your VA loan in Schertz is the flexibility it gives you as a buyer. If you have full entitlement, there’s no cap on how much you can borrow — and no down payment is required (as long as the home appraises and the lender approves the loan).
If you’ve used some entitlement already, the standard 2025 VA loan limit for Bexar County is:
- $806,500 for a single-family home
This figure matches the conforming loan limits set by FHFA. Most Schertz-area homes fall comfortably within this range — and if you’re buying above it, VA jumbo loan options allow you to move forward with minimal or no down payment, depending on remaining entitlement.