San Antonio FHA Loan Rates, Closing Costs & Stats

SAN ANTONIO-NEW BRAUNFELS, TX

FHA loans are mortgages created in the 1930's to help insulate lenders from credit risks and help promote home ownership. The Federal Housing Administration (hence, FHA) allows for lower downpayments and credit scores-- making these loans much more accessible than traditional mortgages.

FHA loans typically need just a 3.5% downpayment with credit scores of 580 or better. For credit scores between 500-579, the downpayment needs to be at least 10%.

While FHA loans make home ownership much more accessible to first-time homebuyers, they do require PMI (purchase money insurance)-- an additional insurance premium that is paid to the FHA to help cover defaults.

For additional requirements as defined by the FHA, click here.

San Antonio's 248 lenders originated 15,314 FHA loans during 2021. The total origination value was $3,485,710,000, with an average FHA loan value of $227,616.

San Antonio FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in San Antonio averaged 6.31% for the week of 2022-12-02, compared to the national average (all FHA variants) of 6.466% for the same period.

San Antonio's average FHA mortgage closing costs are $7,981.

The average rate for the prior week (2022-11-25) was 6.63% and one month ago for the week of 2022-10-28, the average rate was 6.77%.

The average rate one year ago was 3.3%.

For refis of the same type during the week of 2022-12-02, the average rate was 6.26%.

Click on whitespace and scroll within the chart to zoom in/out. Larger bubbles equate with more originations.

San Antonio FHA Loan Lenders by Rates & Fees

The below table looks at the average fees/closing costs and rates for FHA 30 Year Fixed Rate (purchase, first lien) mortgages originated by each lender at the San Antonio level.

Name # of Loans 2021 Avg. 30yFix Rate 2021 Avg. Closing Costs
DHI MORTGAGE COMPANY, LTD. 761 2.93% $8,102
EAGLE HOME MORTGAGE, LLC 602 3.02% $7,817
QUICKEN LOANS, LLC 551 2.70% $6,497
LOANDEPOT.COM, LLC 469 3.51% $9,267
AMCAP MORTGAGE, LTD. 457 3.39% $10,100
LAKEVIEW LOAN SERVICING, LLC 409 3.03% $5,429
Gateway First Bank 409 3.50% $8,015
FREEDOM MORTGAGE CORPORATION 397 2.93% $5,501
Mr. Cooper ( Nationstar Mortgage ) 358 3.34% $4,148
Lakeview Community Capital, LLC 345 3.01% $5,362
CALIBER HOME LOANS, INC. 343 2.99% $7,750
KBHS HOME LOANS, LLC 313 3.50% $10,338
GUILD MORTGAGE COMPANY 278 3.18% $10,673
CORNERSTONE HOME LENDING, INC. 277 3.32% $10,682
PULTE MORTGAGE LLC 271 3.15% $5,678
DIRECTIONS EQUITY, LLC 261 3.28% $7,862
AMERICAN PACIFIC MORTGAGE CORPORATION 234 3.04% $8,074
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 217 3.45% $9,693
PENNYMAC LOAN SERVICES, LLC 208 3.13% $5,299
MOVEMENT MORTGAGE, LLC 198 3.39% $8,293
Wallick & Volk, Inc. 196 3.37% $7,006
ARK-LA-TEX FINANCIAL SERVICES, LLC. 190 3.25% $7,535
PILGRIM MORTGAGE LLC 184 3.31% $9,504
INTERLINC MORTGAGE SERVICES, LLC 174 3.45% $9,187
V.I.P. MORTGAGE, INC. 160 3.18% $9,472
M/I FINANCIAL, LLC 158 3.05% $9,546
THRIVE MORTGAGE, LLC 148 3.12% $9,977
AmeriHome Mortgage Company, LLC 137 2.92% $4,870
MORTGAGE FINANCIAL SERVICES, LLC 131 3.06% $8,874
VELOCIO MORTGAGE L.L.C. 130 3.19% $12,288
Network Funding, L.P. 128 3.23% $9,472
UNITED WHOLESALE MORTGAGE, LLC 120 2.77% $8,320
FBC MORTGAGE, LLC 119 3.04% $8,738
Amerifirst Financial, Inc. 115 3.22% $7,602
VILLAGE CAPITAL MORTGAGE 114 2.95% $2,421
CMG MORTGAGE, INC. 107 2.93% $10,992
HOMEBRIDGE FINANCIAL SERVICES, INC. 106 2.99% $7,594
PRIMELENDING, A PLAINSCAPITAL COMPANY 105 3.40% $9,888
NEWREZ LLC 97 2.92% $5,585
SWBC MORTGAGE CORPORATION 92 3.35% $8,009
S1L, Inc. 90 3.40% $9,475
SOUTHWEST FUNDING, LP 88 3.49% $12,354
SENTE MORTGAGE, INC. 83 3.36% $9,948
PLANET HOME LENDING, LLC 79 3.01% $6,213
INSPIRE HOME LOANS INC. 74 3.40% $9,417
CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP 74 3.12% $9,476
PANORAMA MORTGAGE GROUP, LLC 72 3.58% $9,150
AMERICAN FINANCIAL NETWORK, INC. 71 3.32% $13,241
NATIONS RELIABLE LENDING, LLC 61 3.29% $11,298
CLM MORTGAGE, INC 58 2.98% $11,164
GUARANTEED RATE, INC. 55 2.98% $10,057
ACADEMY MORTGAGE CORPORATION 49 3.37% $11,496
ANGEL OAK HOME LOANS LLC 47 3.10% $9,458
HOME POINT FINANCIAL CORPORATION 46 2.79% $7,320
BROKER SOLUTIONS, INC. 45 3.18% $8,277
First Guaranty Mortgage Corporation 42 2.92% $5,933
CROSSCOUNTRY MORTGAGE, LLC 42 3.26% $9,951
CRESTMARK MORTGAGE COMPANY, LTD. 41 3.12% $15,630
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 39 3.35% $9,105
SECURITYNATIONAL MORTGAGE COMPANY 38 3.49% $9,671
RB MORTGAGE LLC 37 2.80% $7,763
Jefferson Bank 36 3.19% $7,309
BECKAM FUNDING CORP. 36 3.45% $14,851
SOUTHWEST STAGE FUNDING, LLC 36 3.24% $5,596
Carrington Mortgage Services, LLC 36 3.58% $8,209
Assurance Financial Group, L.L.C. 35 3.29% $8,691
BROOKHOLLOW MORTGAGE SERVICES, LTD 34 3.27% $11,768
PLAZA HOME MORTGAGE, INC. 33 2.95% $8,055
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 32 3.45% $10,028
MID AMERICA MORTGAGE, INC. 32 3.19% $3,888
GENEVA FINANCIAL, LLC 28 3.33% $8,539
Bank of England 26 3.38% $11,108
CERTAINTY HOME LOANS, LLC 26 3.60% $8,661
Nations Lending Corporation 25 3.19% $7,390
HOMESIDE FINANCIAL, LLC 25 3.08% $8,834
Northpointe Bank 24 3.31% $8,999
Commerce Home Mortgage, Inc. 24 3.26% $9,792
AMERISAVE MORTGAGE CORPORATION 23 3.04% $10,024
CANOPY MORTGAGE, LLC 23 2.87% $10,508
OPEN MORTGAGE, LLC 23 3.19% $8,053
UNION HOME MORTGAGE CORP. 22 3.26% $8,152
Austin Capital Bank SSB 22 2.94% $10,030
InterContinental Capital Group, Inc 20 2.61% $8,431
CORNERSTONE MORTGAGE PARTNERS OF TEXAS, L.P. 20 3.26% $9,525
HANCOCK MORTGAGE PARTNERS, LLC 18 3.53% $10,091
GUARANTEED RATE AFFINITY, LLC 18 3.06% $8,882
NTFN, INC. 18 2.84% $8,903
First United Bank and Trust Company 18 3.19% $9,536
OCEANSIDE MORTGAGE COMPANY 18 2.68% $3,288
JPMorgan Chase Bank 17 2.88% $7,281
ASPIRE FINANCIAL, INC. 16 2.59% $9,079
GREAT WESTERN FINANCIAL SERVICES, INC. 16 3.03% $9,009
EVERETT FINANCIAL, INC. 15 3.81% $7,685
1ST PREFERENCE MORTGAGE CORP. 15 3.43% $10,643
NATIONS DIRECT MORTGAGE, LLC 15 2.95% $9,123
THE MORTGAGE FIRM, INC. 14 3.33% $10,996
SUN WEST MORTGAGE COMPANY, INC. 14 3.37% $8,805
LEADERONE FINANCIAL CORPORATION 13 2.92% $9,927
Flagstar Bank, FSB 13 2.67% $7,235
Equity Prime Mortgage LLC 13 3.23% $9,935
CHURCHILL MORTGAGE CORPORATION 13 3.33% $9,196
LOANPAL, LLC 13 2.55% $8,990
T2 FINANCIAL LLC 13 3.16% $9,894
Waterstone Mortgage Corporation 12 3.57% $8,798
ENVOY MORTGAGE, LTD 12 3.15% $8,794
FIRST CENTENNIAL MORTGAGE CORPORATION 12 3.06% $9,275
Bank of America 12 2.89% $5,643
Town Square Mortgage & Investments, Inc. 11 3.54% $9,007
KELLER MORTGAGE, LLC 11 2.83% $7,449
AMERICAN FINANCIAL RESOURCES, INC. 10 3.41% $9,801
Loan Simple, Inc. 9 3.58% $9,321
UNIVERSITY Federal Credit Union 9 2.79% $8,358
SFMC, LP 9 3.32% $10,382
WILLOW BEND MORTGAGE COMPANY, LLC 8 3.06% $8,883
Paramount Residential Mortgage Group, Inc. 8 3.22% $12,433
Midwest Mortgage Associates Corporation 8 2.95% $8,774
PRIMARY RESIDENTIAL MORTGAGE, INC. 8 3.55% $8,406
CALCON MUTUAL MORTGAGE LLC 8 4.20% $7,660
ZILLOW HOME LOANS, LLC 8 2.97% $8,452
LOANPEOPLE, LLC 8 3.52% $9,923
STEARNS LENDING, LLC 7 2.89% $6,675
COUNTRYPLACE MORTGAGE, LTD. 6 3.21% $19,327
BBVA USA 6 3.33% $7,191
PRIORITY HOME MORTGAGE, L.P. 6 3.56% $8,137
LENDUS, LLC 6 3.33% $10,379
AMERICAN FINANCING CORPORATION 6 2.75% $10,699
Mortgage Research Center, LLC 6 3.08% $8,521
BOKF 6 3.08% $7,995
MUTUAL OF OMAHA MORTGAGE, INC. 6 3.33% $10,251
Colten Mortgage, LLC 6 2.88% $5,084
MORTGAGE SOLUTIONS OF COLORADO, LLC 5 3.68% $10,858
Hometown Equity Mortgage, LLC 5 3.30% $12,617
BETTER MORTGAGE CORPORATION 5 2.75% $7,202
FIRST CONTINENTAL MORTGAGE, LTD. 5 3.58% $8,871
INTERCAP LENDING INC. 5 3.28% $9,140
AMERICAN HOMESTAR MORTGAGE, L.L.C. 5 3.30% $10,918
The Home Loan Expert LLC 4 2.75% $9,209
BKCO MORTGAGE, LLC 4 3.22% $6,774
CELEBRITY HOME LOANS, LLC 4 3.47% $9,267
DRAPER AND KRAMER MORTGAGE CORP. 4 3.66% $8,467
Goldwater Bank, N.A. 4 3.09% $11,580
LAND HOME FINANCIAL SERVICES, INC. 4 3.84% $11,597
MICHIGAN MUTUAL, INC. 4 3.63% $10,316
MORIA DEVELOPMENT, INC. 4 3.66% $8,187
Priority Bank 4 2.66% $10,579
RANLIFE, INC. 4 3.50% $8,383
Residential Mortgage Solutions, Inc. 4 2.78% $7,265
SOVEREIGN LENDING GROUP INCORPORATED 4 2.88% $9,147
Credence Funding Corporation 3 2.54% $6,250
Regions Bank 3 2.75% $7,129
VAN DYK MORTGAGE CORPORATION 3 3.42% $7,411
Hometown Lenders, Inc. 3 2.83% $9,122
FINANCE OF AMERICA MORTGAGE LLC 3 2.54% $7,152
Citizens Bank 3 2.88% $9,419
Paramount Bank 3 2.75% $8,750
Zions Bancorporation, N.A. 3 3.04% $7,094
Colonial Savings, F.A. 3 2.83% $7,347
MANN FINANCIAL INC. 3 3.63% $8,554
AMERICA'S CHOICE HOME LOANS LP 3 3.38% $7,725
LIBERTY HOME MORTGAGE CORPORATION 2 3.25% $9,029
MLD MORTGAGE INC. 2 2.44% $7,726
WESTERN EXPRESS LENDING 2 2.69% $10,396
International Bank of Commerce 2 2.88% $6,869
M&T Bank 2 2.94% $7,739
HOMETRUST MORTGAGE COMPANY 2 2.75% $8,748
NATIONWIDE MORTGAGE BANKERS, INC. 2 3.25% $6,420
First Savings Bank 2 3.50% $9,567
PHH Mortgage Corporation 2 3.63% $5,243
First National Bank Texas 2 2.63% $10,677
First Home Bank 2 3.56% $7,381
PNC Bank 2 2.69% $9,061
American Mortgage Bank, LLC 2 3.63% $8,836
FC LENDING, LTD. 2 3.25% $12,351
Wyndham Capital Mortgage, Inc. 2 2.94% $9,942
ROYAL UNITED MORTGAGE LLC 2 2.69% $10,476
Encompass Lending Group, LP 2 3.12% $9,361
DAS Acquisition Company, LLC 2 3.31% $8,734
SUMMIT FUNDING, INC. 2 4.44% $11,599
Sunflower Bank 2 2.74% $10,356
CITY FIRST MORTGAGE SERVICES, L.L.C. 2 3.56% $9,158
City Bank 2 2.63% $10,557
The Federal Savings Bank 2 2.75% $7,754
BNC National Bank 2 2.50% $10,233
TruHome Solutions, LLC 2 2.94% $6,671
Wells Fargo Bank 2 3.06% $6,155
First Bank 1 2.50% $11,358
First Bank 1 2.63% $6,817
VANDERBILT MORTGAGE AND FINANCE, INC. 1 3.13% $10,559
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 2.88% $14,380
Prosperity Home Mortgage, LLC 1 3.88% $7,625
KS StateBank 1 3.00% $8,262
FAY SERVICING, LLC 1 3.13% $2,999
BancorpSouth Bank 1 2.50% $7,929
ENDEAVOR CAPITAL, LLC. 1 3.13% $3,523
MYCUMORTGAGE, LLC 1 3.13% $8,161
RELIANCE FIRST CAPITAL, LLC 1 3.25% $8,666
AHL FUNDING 1 3.63% $7,334
AXIA FINANCIAL, LLC 1 3.38% $12,733
Atlantic Home Loans, Inc. 1 2.88% $9,199
East Coast Capital Corp. 1 3.00% $12,193
VISION ONE MORTGAGE, INC. 1 2.88% $6,044
Independent Bank 1 3.25% $8,881
SMART CHOICE MORTGAGE, A TEXAS LIMITED LIABILITY C 1 3.75% $13,028
South Pacific Financial Corporation 1 2.50% $9,092
CONTOUR MORTGAGE CORPORATION 1 2.88% $7,060
JMAC LENDING, INC. 1 3.50% $10,534
MOUNTAIN WEST FINANCIAL, INC. 1 2.75% $6,276
Specialized Loan Servicing LLC 1 2.25% $6,727
CLEARPATH LENDING 1 2.75% $7,842
Stride Bank 1 3.50% $7,702
ARC HOME LLC 1 2.75% $9,065
LEGEND LENDING CORPORATION 1 4.13% $5,996
ML Mortgage Corp. 1 3.63% $14,354
MEMBER FIRST MORTGAGE, LLC 1 2.88% $6,910
JMJ FINANCIAL GROUP 1 3.25% $10,072
LHM FINANCIAL CORPORATION 1 3.00% $6,049
Citibank 1 3.00% $10,666
CADENCE LENDING GROUP, INC. 1 3.00% $9,887
Low VA Rates, LLC 1 1.88% $9,730
TIAA, FSB 1 3.00% $12,237
TJC Mortgage, Inc. 1 2.75% $8,088
TOP FLITE FINANCIAL, INC. 1 3.75% $8,331
BEST CAPITAL FUNDING 1 3.25% $7,625
Trinity Oaks Mortgage, LLC 1 3.50% $11,390
Midwest Community Bank 1 2.25% $9,314
Truist 1 3.20% $5,491
BELEM SERVICING LLC 1 2.38% $11,846
UNITED MORTGAGE CORP. 1 3.25% $11,098
UNITED SECURITY FINANCIAL CORP 1 2.88% $5,897
Home Mortgage Alliance Corp 1 3.25% $11,486
HOME APPROVALS DIRECT, INC. 1 2.88% $5,727
HAMILTON HOME LOANS, INC. 1 2.75% $6,290
NOVA FINANCIAL & INVESTMENT CORPORATION 1 2.75% $5,616
GSF Mortgage Corporation 1 3.00% $7,272
Great Plains National Bank 1 4.13% $8,851
OCMBC, INC. 1 4.25% $10,398
GET A RATE LLC 1 2.99% $8,865
Franklin Loan Corporation 1 2.75% $12,254
NBKC BANK 1 2.50% $8,513
FLAT BRANCH MORTGAGE, INC. 1 2.88% $14,868
PATRIOT MORTGAGE COMPANY 1 2.88% $8,963
BAY EQUITY LLC 1 2.50% $8,007
UNIVERSAL MORTGAGE & FINANCE, INC. 1 3.75% $19,917
Barrington Bank & Trust Company, N.A. 1 3.38% $7,285
UNIVERSITY LENDING GROUP, LLC 1 2.88% $7,231
Platinum Home Mortgage Corporation 1 2.99% $7,358
First Federal Bank 1 3.00% $20,483
U.S. Bank 1 3.25% $8,190

The top San Antonio FHA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 761 FHA loans originated. Their average total fees are $8,102, which is $285 higher than the next largest lender, EAGLE HOME MORTGAGE, LLC.

The lowest fee San Antonio FHA lenders (with over 10 loans originated) are VILLAGE CAPITAL MORTGAGE ($2,421), OCEANSIDE MORTGAGE COMPANY ($3,288), MID AMERICA MORTGAGE, INC. ($3,888), Mr. Cooper ( Nationstar Mortgage ) ($4,148) and AmeriHome Mortgage Company, LLC ($4,870).

The lowest rate San Antonio FHA lenders (with over 10 loans originated) are LOANPAL, LLC (2.55%), ASPIRE FINANCIAL, INC. (2.59%), InterContinental Capital Group, Inc (2.61%), Flagstar Bank, FSB (2.67%) and OCEANSIDE MORTGAGE COMPANY (2.68%).

San Antonio FHA Loan Limits

Metro County Year Single Family Limit 2 Family Limit 3 Family Limit 4 Family Limit
SAN ANTONIO-NEW BRAUNFELS, TX ATASCOSA 2022 $449,650 $575,600 $695,800 $864,700
SAN ANTONIO-NEW BRAUNFELS, TX BANDERA 2022 $449,650 $575,600 $695,800 $864,700
SAN ANTONIO-NEW BRAUNFELS, TX BEXAR 2022 $449,650 $575,600 $695,800 $864,700
SAN ANTONIO-NEW BRAUNFELS, TX COMAL 2022 $449,650 $575,600 $695,800 $864,700
SAN ANTONIO-NEW BRAUNFELS, TX GUADALUPE 2022 $449,650 $575,600 $695,800 $864,700
SAN ANTONIO-NEW BRAUNFELS, TX KENDALL 2022 $449,650 $575,600 $695,800 $864,700
SAN ANTONIO-NEW BRAUNFELS, TX MEDINA 2022 $449,650 $575,600 $695,800 $864,700
SAN ANTONIO-NEW BRAUNFELS, TX WILSON 2022 $449,650 $575,600 $695,800 $864,700

Market Conditions (Median, Average Prices & Listing Count)

Realtor.com - San Antonio (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Price (YoY Change) Average Listing Price (YoY) MSA/US Median Price Ratio Active Listings
2018-01-01 $283,925 (-0.2%) $373,914 (0.4%) 1.05 7,238
2018-02-01 $284,985 (-1.0%) $375,278 (-0.3%) 1.03 7,291
2018-03-01 $291,000 (-0.3%) $381,195 (-0.1%) 1.02 7,397
2018-04-01 $299,000 (1.5%) $385,291 (-1.6%) 1.01 7,438
2018-05-01 $299,700 (1.6%) $388,679 (-0.9%) 1.00 7,778
2018-06-01 $299,500 (1.2%) $390,288 (-0.7%) 1.00 8,254
2018-07-01 $295,000 (0.9%) $387,039 (-0.3%) 0.98 8,612
2018-08-01 $291,088 (1.8%) $382,619 (0.5%) 0.97 8,889
2018-09-01 $287,000 (1.4%) $379,425 (0.7%) 0.96 8,706
2018-10-01 $285,443 (1.9%) $378,347 (1.5%) 0.96 8,695
2018-11-01 $285,000 (1.8%) $373,154 (0.2%) 0.97 8,639
2018-12-01 $285,000 (1.4%) $372,951 (0.3%) 0.98 8,408
2019-01-01 $285,000 (0.4%) $371,088 (-0.8%) 0.98 7,936
2019-02-01 $285,700 (0.3%) $370,065 (-1.4%) 0.96 7,992
2019-03-01 $291,619 (0.2%) $377,457 (-1.0%) 0.95 8,155
2019-04-01 $295,500 (-1.2%) $385,313 (0.0%) 0.94 8,587
2019-05-01 $295,450 (-1.4%) $389,487 (0.2%) 0.92 8,873
2019-06-01 $295,000 (-1.5%) $389,748 (-0.1%) 0.92 9,198
2019-07-01 $293,500 (-0.5%) $387,803 (0.2%) 0.92 9,425
2019-08-01 $288,356 (-0.9%) $383,334 (0.2%) 0.91 9,470
2019-09-01 $285,905 (-0.4%) $378,325 (-0.3%) 0.91 9,461
2019-10-01 $283,000 (-0.9%) $372,981 (-1.4%) 0.91 9,501
2019-11-01 $279,900 (-1.8%) $366,193 (-1.9%) 0.92 9,368
2019-12-01 $278,900 (-2.1%) $363,031 (-2.7%) 0.93 9,159
2020-01-01 $279,000 (-2.1%) $362,564 (-2.3%) 0.93 8,653
2020-02-01 $282,700 (-1.1%) $372,520 (0.7%) 0.92 8,453
2020-03-01 $289,450 (-0.7%) $379,566 (0.6%) 0.91 8,186
2020-04-01 $288,879 (-2.2%) $374,556 (-2.8%) 0.90 8,374
2020-05-01 $295,000 (-0.2%) $390,202 (0.2%) 0.90 8,033
2020-06-01 $302,499 (2.5%) $404,540 (3.8%) 0.89 7,085
2020-07-01 $308,250 (5.0%) $411,861 (6.2%) 0.89 6,660
2020-08-01 $300,289 (4.1%) $410,469 (7.1%) 0.86 6,286
2020-09-01 $299,000 (4.6%) $411,002 (8.6%) 0.86 6,052
2020-10-01 $295,318 (4.4%) $407,600 (9.3%) 0.85 5,823
2020-11-01 $293,421 (4.8%) $405,003 (10.6%) 0.86 5,536
2020-12-01 $290,000 (4.0%) $398,951 (9.9%) 0.86 5,076
2021-01-01 $289,900 (3.9%) $403,439 (11.3%) 0.87 4,346
2021-02-01 $296,014 (4.7%) $420,600 (12.9%) 0.86 3,595
2021-03-01 $298,473 (3.1%) $430,299 (13.4%) 0.85 2,981
2021-04-01 $303,245 (5.0%) $448,201 (19.7%) 0.82 2,633
2021-05-01 $307,500 (4.2%) $449,000 (15.1%) 0.81 2,724
2021-06-01 $315,000 (4.1%) $456,184 (12.8%) 0.83 3,174
2021-07-01 $325,000 (5.4%) $464,593 (12.8%) 0.86 3,731
2021-08-01 $335,500 (11.7%) $454,561 (10.7%) 0.89 4,472
2021-09-01 $330,000 (10.4%) $447,643 (8.9%) 0.88 4,601
2021-10-01 $333,000 (12.8%) $453,993 (11.4%) 0.89 4,460
2021-11-01 $331,500 (13.0%) $458,102 (13.1%) 0.89 4,205
2021-12-01 $337,279 (16.3%) $462,911 (16.0%) 0.91 3,953
2022-01-01 $339,500 (17.1%) $465,817 (15.5%) 0.92 3,593
2022-02-01 $335,885 (13.5%) $465,041 (10.6%) 0.87 2,930
2022-03-01 $344,750 (15.5%) $474,524 (10.3%) 0.86 2,698
2022-04-01 $359,900 (18.7%) $489,504 (9.2%) 0.86 2,901
2022-05-01 $378,623 (23.1%) $502,313 (11.9%) 0.87 3,809
2022-06-01 $381,500 (21.1%) $508,414 (11.5%) 0.85 4,636
2022-07-01 $375,000 (15.4%) $493,113 (6.1%) 0.85 6,077
2022-08-01 $362,284 (8.0%) $480,388 (5.7%) 0.84 7,234
2022-09-01 $359,899 (9.1%) $472,996 (5.7%) 0.84 7,537
2022-10-01 $355,000 (6.6%) $469,510 (3.4%) 0.84 8,032
2022-11-01 $349,999 (5.6%) $458,923 (0.2%) 0.84 8,274
San Antonio's median listing price for 2022-11-01 was $349,999, a difference of $18,499 (5.6%) versus the prior year and $-5,001 versus the prior month.

San Antonio's median listing price comes in at 84% of the national average.

San Antonio's average listing price for 2022-11-01 was $458,923, a difference of $821 (0.2%) versus the prior year and $-10,587 versus the prior month.

For the 2022-11-01 period, San Antonio had 8,274 MLS listings, a difference of 242 listings (3%) versus the prior month and 4,069 listings (97%) versus the prior year.

Median Listing Time on Market & Square Footage

Realtor.com - San Antonio (CBSA) retrieved from FRED, Federal Reserve Bank of St. Louis
Date Median Listing Time on Market Median Square Footage
2018-01-01 78 days 2,336 sqft
2018-02-01 72 days 2,352 sqft
2018-03-01 57 days 2,380 sqft
2018-04-01 53 days 2,408 sqft
2018-05-01 53 days 2,419 sqft
2018-06-01 52 days 2,407 sqft
2018-07-01 55 days 2,391 sqft
2018-08-01 59 days 2,380 sqft
2018-09-01 63 days 2,356 sqft
2018-10-01 65 days 2,336 sqft
2018-11-01 67 days 2,311 sqft
2018-12-01 72 days 2,303 sqft
2019-01-01 76 days 2,289 sqft
2019-02-01 71 days 2,299 sqft
2019-03-01 60 days 2,317 sqft
2019-04-01 52 days 2,328 sqft
2019-05-01 52 days 2,326 sqft
2019-06-01 54 days 2,323 sqft
2019-07-01 55 days 2,323 sqft
2019-08-01 57 days 2,295 sqft
2019-09-01 59 days 2,265 sqft
2019-10-01 61 days 2,241 sqft
2019-11-01 61 days 2,233 sqft
2019-12-01 69 days 2,194 sqft
2020-01-01 75 days 2,182 sqft
2020-02-01 72 days 2,192 sqft
2020-03-01 65 days 2,224 sqft
2020-04-01 65 days 2,220 sqft
2020-05-01 67 days 2,241 sqft
2020-06-01 72 days 2,244 sqft
2020-07-01 59 days 2,241 sqft
2020-08-01 56 days 2,239 sqft
2020-09-01 58 days 2,183 sqft
2020-10-01 58 days 2,147 sqft
2020-11-01 57 days 2,104 sqft
2020-12-01 61 days 2,064 sqft
2021-01-01 63 days 2,030 sqft
2021-02-01 51 days 1,980 sqft
2021-03-01 48 days 1,961 sqft
2021-04-01 40 days 1,996 sqft
2021-05-01 36 days 1,992 sqft
2021-06-01 33 days 2,014 sqft
2021-07-01 34 days 2,042 sqft
2021-08-01 33 days 2,083 sqft
2021-09-01 39 days 2,029 sqft
2021-10-01 44 days 2,000 sqft
2021-11-01 45 days 1,993 sqft
2021-12-01 50 days 1,991 sqft
2022-01-01 55 days 1,966 sqft
2022-02-01 44 days 1,913 sqft
2022-03-01 38 days 1,920 sqft
2022-04-01 34 days 1,979 sqft
2022-05-01 30 days 2,041 sqft
2022-06-01 31 days 2,057 sqft
2022-07-01 31 days 2,051 sqft
2022-08-01 40 days 2,031 sqft
2022-09-01 48 days 2,029 sqft
2022-10-01 54 days 2,023 sqft
2022-11-01 58 days 2,013 sqft
San Antonio's median listing age (time on market) for 2022-11-01 was 58 days. This is 28% longer than the same period one year ago.

San Antonio's median square footage for active listings during the 2022-11-01 period was 2,013 sqft. One year prior, the average listing was 1,993 sqft.

FHA Loan Requirements

  • Borrowers must have a steady employment history or worked for the same employer for the past two years.
  • Borrowers must have a valid Social Security number, lawful residency in the U.S. and be of legal age to sign a mortgage in your state.
  • Borrowers must pay a minimum down payment of 3.5 percent. The money may be gifted by a family member. (Traditional mortgages do not permit gifted down payments)
  • New FHA loans are only available for primary residence occupancy.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 40 percent. Your lender will be required to provide justification as to why they believe the mortgage presents an acceptable risk. The lender must include any compensating factors used for loan approval.
  • Borrowers’ debt to income ratio (mortgage plus all your monthly debt, i.e., credit card payment, car payment, student loans, etc.) needs to be less than 43 percent of their gross income, typically. You may be able to get approved with as high a percentage as 50 percent.
  • Borrowers must have a minimum credit score of 580 for maximum financing with a minimum down payment of 3.5 percent.
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent.
  • Bborrowers must be two years out of bankruptcy and have re-established good credit. Exceptions can be made.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit.
  • The purchased property must meet certain minimum standards at appraisal. If the home you are purchasing does not meet these standards and a seller will not agree to the required repairs, your only option is to pay for the required repairs at closing (to be held in escrow until the repairs are complete).