Current Avg. Rates: 6.46% 30-yr fixed|5.77% 15-yr fixed
Source: Freddie Mac Primary Mortgage Market Survey
Source: Freddie Mac Primary Mortgage Market Survey
San Antonio vs Houston: Mortgage Cost Comparison
Thinking about buying in San Antonio or Houston? Here's a side-by-side comparison of mortgage costs in both cities.
$2,056
San Antonio PITI
$2,350
Houston PITI
$294/mo
Difference
Your Monthly Payment (PITI)
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Principal + Interest + Tax + Insurance
Monthly Breakdown
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Property Tax
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Insurance
Loan Overview
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Total Interest
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Payoff Date
Bi-Weekly Option
? Pay half your monthly payment every two weeks — you'll make 26 half-payments (13 full payments) per year instead of 12
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Bi-Weekly Payment
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Total Interest
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Payoff Date
San Antonio vs Houston: Full Mortgage Comparison
Buying a home in San Antonio is $294/month cheaper based on average home prices and local costs.
| San Antonio, TX | Houston, TX | |
|---|---|---|
| Avg. Home Price | $275,000 | $310,000 |
| Down Payment (20%) | $55,000 | $62,000 |
| Loan Amount | $220,000 | $248,000 |
| Property Tax Rate | 1.85% | 1.9% |
| Annual Property Tax | $5,088 | $5,890 |
| Annual Insurance | $2,900 | $3,500 |
| Monthly P&I | $1,391 | $1,568 |
| Monthly PITI | $2,056 | $2,350 |
| Total Interest (30yr) | $280,598 | $316,310 |
What Drives the Difference?
Home prices are the biggest factor — Houston’s average home costs $35,000 more than San Antonio’s.
Property taxes also favor San Antonio — Houston’s 1.9% rate is higher than San Antonio’s 1.85%.
Insurance is $600/year more in Houston.
Income Needed to Buy
Using the 28% rule (PITI under 28% of gross income):
| San Antonio | Houston | |
|---|---|---|
| Monthly PITI | $2,056 | $2,350 |
| Income needed | $88,124 | $100,716 |
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 Houston calculator for Houston-specific numbers.