San Antonio vs Dallas: Mortgage Cost Comparison
Thinking about buying in San Antonio or Dallas? Here's a side-by-side comparison of mortgage costs in both cities.
$2,056
San Antonio PITI
$2,716
Dallas PITI
$660/mo
Difference
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? Monthly payment PITI with taxes & insurance included
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? Bi-weekly payment PITI if paid every other week
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San Antonio vs Dallas: Full Mortgage Comparison
Buying a home in San Antonio is $660/month cheaper based on average home prices and local costs.
| San Antonio, TX | Dallas, TX | |
|---|---|---|
| Avg. Home Price | $275,000 | $365,000 |
| Down Payment (20%) | $55,000 | $73,000 |
| Loan Amount | $220,000 | $292,000 |
| Property Tax Rate | 1.85% | 1.93% |
| Annual Property Tax | $5,088 | $7,045 |
| Annual Insurance | $2,900 | $3,400 |
| Monthly P&I | $1,391 | $1,846 |
| Monthly PITI | $2,056 | $2,716 |
| Total Interest (30yr) | $280,598 | $372,430 |
What Drives the Difference?
Home prices are the biggest factor — Dallas’s average home costs $90,000 more than San Antonio’s.
Property taxes also favor San Antonio — Dallas’s 1.93% rate is higher than San Antonio’s 1.85%.
Insurance is $500/year more in Dallas.
Income Needed to Buy
Using the 28% rule (PITI under 28% of gross income):
| San Antonio | Dallas | |
|---|---|---|
| Monthly PITI | $2,056 | $2,716 |
| Income needed | $88,124 | $116,402 |
Try Your Own Numbers
The calculator above is pre-filled with San Antonio’s averages. Adjust the values to match your situation, or try the Dallas calculator for Dallas-specific numbers.