Compare Current Schertz, Texas Mortgage Rates

Compare Schertz, TX mortgage rates and fees from top lenders. 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 lowest mortgage rates in Schertz.

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

Schertz, TX Mortgage Rates as of May 23, 2022
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Data provided by Icanbuy, LLC. Payments do not include amounts for taxes and insurance premiums. Read through our lender table disclaimer for more information on rates and product details.


Compare Today's Schertz, TX Mortgage Rates

May 23, 2022

Current mortgage rates in Schertz, TX are % for a 30 year fixed rate loan, % for a 15 year fixed loan and % for a 5/1 adjustable rate mortgage (ARM)

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

How Affordable is Housing in Schertz, Texas?

Below we provide helpful information on the real estate market, home prices and housing affordability in Schertz. Understand how much you need to earn to afford a home in Schertz, including the mortgage you need to qualify for. Review the monthy payment so you can determine if owning a house in Schertz 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 Schertz is right for you.

The median home value for Schertz, TX (Guadalupe County) is $277,660

Based on current mortgage rates and a 10% down payment, you need to make $45,493 per year to buy the median priced home in Schertz

With this income, you could qualify for a $249,894 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 Schertz is $1,054

The median household income for Schertz, TX (Guadalupe County) is $86,219

Based on this income, you can afford a home valued at approximately $526,220

The home price you can afford to buy based on household income in Schertz is 190% of the median home value which means housing prices are average. Schertz (Guadalupe County) ranks 203 out of 254 counties in Texas and 1,951 out of 3,142 counties in the United States for housing affordability.

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


Loan Limits for Schertz, Texas

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

Conforming loan limits for Schertz, TX

1 unit: $647,200
2 units: $828,700
3 units: $1,001,650
4 units: $1,244,850

FHA loan limits for Schertz, TX

1 unit: $449,650
2 units: $575,600
3 units: $695,800
4 units: $864,700

VA loan limits for Schertz, TX

1 unit: $647,200

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