San Antonio, TX Mortgage Calculator
Estimate your monthly mortgage payment in San Antonio including property taxes, homeowners insurance, PMI, and 2026 loan limits.
Local Home Values & Affordability
A 20% down payment on a median San Antonio home requires $52,000 in cash — or $9,100 for an FHA-minimum 3.5% down payment. Buyers with less than 20% down will also need to budget for PMI or FHA MIP.
San Antonio's median home value of $260,000 is close to the national median of $310,000, putting most buyers in the conforming loan range with conventional or FHA options readily available.
Bexar County's $260,000 median sits between El Paso County ($195,000) and Travis County ($560,000) within the Texas counties we track.
Property Tax in This Market
Bexar County's effective property tax rate of 2.14% is 95% above the 1.10% national average across the markets we track — placing it among the top 20% highest-tax counties in our dataset.
Based on the 2.14% effective rate and a median home value of $260,000, a typical homeowner in Bexar County pays approximately $5,564 in annual property taxes — or $464 per month added to their mortgage payment.
Sources: Tax Foundation 2025
Homeowners Insurance Costs
Homeowners insurance in Bexar County averages around $2,900/year ($242/month) — roughly 81% above the national average of $1,600.
Premium quotes in Bexar County typically range from $2,000 to $4,200 per year depending on home age, construction type, coverage limits, and your insurer. Always get multiple quotes.
Sources: NAIC 2024
Loan Limits & Financing Options
A buyer purchasing the median San Antonio home ($260,000) with FHA's minimum 3.5% down would borrow $250,900 — well within the $541,287 baseline FHA limit for this county. FHA financing is a viable option for most buyers here.
With 20% down on a median-priced home, the loan amount of $208,000 stays $624,750 below the $832,750 conforming limit — giving buyers access to conventional Fannie/Freddie pricing without jumbo underwriting.
All FHA loans require an upfront mortgage insurance premium (UFMIP) of 1.75% of the loan amount, plus an annual MIP of 0.55%–0.75% of the loan balance paid monthly. On a $250,900 FHA loan, expect approximately $115/month in ongoing MIP — added to principal, interest, taxes, and insurance.
Sources: HUD ML 2025-23, FHFA 2026, HUD MIP Rates 2023
Extra Monthly Payment
Estimated Monthly Payment
$2,082
Estimates are for educational purposes only and are not a loan offer or commitment to lend.
Loan Amount: $208,000
LTV: 0.01%
P&I Payment
$1,377
Total Interest
$287,667
over loan life
Payoff
30 yr
Closing Costs
$3,744–$6,989
est. range
Monthly Payment Breakdown
2026 Loan Limit Context
FHA Limit
$541,287
Conforming Limit
$832,750
Amortization Schedule
| Mo. | Payment | Principal | Interest | Balance | Total Interest |
|---|---|---|---|---|---|
| 1 | $1,377 | $172 | $1,205 | $207,828 | $1,205 |
| 2 | $1,377 | $173 | $1,204 | $207,655 | $2,408 |
| 3 | $1,377 | $174 | $1,203 | $207,480 | $3,611 |
| 4 | $1,377 | $175 | $1,202 | $207,305 | $4,813 |
| 5 | $1,377 | $176 | $1,201 | $207,129 | $6,013 |
| 6 | $1,377 | $177 | $1,200 | $206,952 | $7,213 |
| 7 | $1,377 | $178 | $1,199 | $206,774 | $8,412 |
| 8 | $1,377 | $179 | $1,198 | $206,594 | $9,609 |
| 9 | $1,377 | $180 | $1,197 | $206,414 | $10,806 |
| 10 | $1,377 | $181 | $1,195 | $206,233 | $12,001 |
| 11 | $1,377 | $182 | $1,194 | $206,050 | $13,196 |
| 12 | $1,377 | $183 | $1,193 | $205,867 | $14,389 |
2026 Loan Limits — Bexar County, TX
| Limit Type | 2026 Limit | Note |
|---|---|---|
| FHA Loan Limit (1-unit) | $524,225 | Max loan for FHA-insured mortgage |
| Conforming Loan Limit (1-unit) | $806,500 | Fannie Mae / Freddie Mac eligible |
Source: HUD / FHFA. Data as of 2025-01-15.
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