Not financial advice. Mortgage FV Calculator is a software calculator, not a personal-finance product or advisory service. It computes standard financial functions and displays the results for your convenience. Nothing here constitutes, or is intended to constitute, financial, investment, tax, legal, mortgage, credit, or insurance advice. Always consult a qualified professional before making any financial decision.
San Antonio mortgage calculator
A median-priced San Antonio, TX home at 6.75% over 30 years, with Texas property tax of 1.63% and $3,400 a year of homeowners insurance. Every figure below is computed on our amortising engine — nothing is estimated in the browser.
$2,482 a month, all in
Principal and interest are $1,687; escrow and PMI add the rest. Over the full term the loan costs $347,221 in interest. Discounted at 5%, buying here has a net present value of $85,146 ($293,760 in today’s dollars).
Within Texas, San Antonio is 7th of the 10 Texas markets covered here, between Austin at the top and El Paso at the bottom of a 2.07x spread. A state-level median hides most of that.
San Antonio is cheaper than Texas as a whole — $289,000 against a state median of $340,000, roughly 15% below. On a 20% deposit that is $10,200 less to find up front.
Rents here are high relative to prices — a rent index of 0.95 against a price index of 0.85. That combination favours buying sooner, because the payment you avoid is larger relative to the price you pay.
Monthly cost in San Antonio vs comparable rent
Owning is stacked by component; renting is the local median asking rent.
The monthly breakdown
| Median home price | $289,000 |
|---|---|
| Down payment (10%) | $28,900 |
| Loan amount | $260,100 |
| Principal & interest | $1,687/mo |
| Property tax (1.63%) | $393/mo |
| Homeowners insurance | $283/mo |
| PMI while above 80% LTV | $119/mo |
| Total monthly payment | $2,482/mo |
| Comparable rent | $1,710/mo |
What a rate move does to the San Antonio payment
| Rate | Principal & interest |
|---|---|
| 5.5% | $1,477/mo |
| 6% | $1,559/mo |
| 6.5% | $1,644/mo |
| 7% | $1,730/mo |
| 7.5% | $1,819/mo |
| 8% | $1,909/mo |
Rent or buy in San Antonio?
Against $1,710 a month in rent, over 7 years renting leaves you about $39,463 better off — $33,199 once 2.5% inflation is stripped out. See the Texas rent-vs-buy page.
Where these numbers come from
Texas medians come from editorial and are refreshed weekly. The San Antonio figures index those state medians to the local market, so they track the same feed rather than going stale. Insurance and the state income tax rate are editorial. Treat everything here as a planning estimate, not a quote.