San Antonio

Current Mortgage Rates in San Antonio, Texas

Compare mortgage rates and fees for leading lenders in San Antonio, TX. Review free, personalized mortgage rates based on your specifc loan amount, program and other factors. Easily compare APRs, closing costs and monthly payments to find the lender offering the best mortgage rates in San Antonio.

We recommend that you contact at least five lenders as shopping multiple lenders is the best way to save money on your mortgage in San Antonio. Plus, shopping lenders is free and there is no obligation.

Mortgage Rates in San Antonio, TX as of September 20, 2020
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Data provided by Brown Bag Marketing, Inc. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more on rates and product details.


How Do Today's San Antonio, TX Mortgage Rates Compare?

September 20, 2020

The current average rate for a 30 year fixed rate mortgage in San Antonio is A.AAA%, the rate for a 15 year fixed rate mortgage is B.BBB% and the rate for a 5/1 adjustable rate mortgage (ARM) is C.CCC%

Mortgage Program
San Antonio, TX Rates
30 Year Fixed Rate
15 Year Fixed Rate
5/1 Adjustable Rate Mortgage

How Affordable is Housing in San Antonio, Texas?

Below we provide helpful information on the real estate market, home prices and housing affordability in San Antonio. Understand how much you need to earn to afford a home in San Antonio, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in San Antonio fits your budget. This information is based on proprietary analysis you can only find on FREEandCLEAR and we offer it to help you decide if living in San Antonio is right for you.

The median home value for San Antonio, TX (Bexar County) is $188,986

Based on current mortgage rates and a 10% down payment, you need to make $34,013 per year to buy the median priced home in San Antonio

With this income, you could qualify for a $170,088 mortgage, assuming your monthly debt expense is reasonable

Based on this loan amount, the monthly mortgage payment required to buy the median priced home in San Antonio is $788

The median household income for San Antonio, TX (Bexar County) is $56,950

Based on this income, you can afford a home valued at approximately $316,432

The home price you can afford to buy based on household income in San Antonio is 167% of the median home value which means housing prices are average. San Antonio (Bexar County) ranks 226 out of 254 counties in Texas and 2,224 out of 3,142 counties in the United States for housing affordability.

According to the FREEandCLEAR Housing Affordability Index, the housing market in San Antonio, TX is average


Loan Limits for San Antonio, Texas

Mortgage limits affect your loan terms, mortgage program eligibility and what price home you can afford. Review the loan limits for San Antonio (Bexar County) below.

Conforming loan limits for San Antonio, TX

1 unit: $510,400
2 units: $653,550
3 units: $789,950
4 units: $981,700

FHA loan limits for San Antonio, TX

1 unit: $393,300
2 units: $503,500
3 units: $608,600
4 units: $756,350

VA loan limits for San Antonio, TX

1 unit: $510,400

Additional Mortgage Resources for San Antonio, TX Residents

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