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 225 lenders originated 8,644 FHA loans during 2022. The total origination value was $2,484,600,000, with an average FHA loan value of $287,436.

San Antonio FHA Loans, 30 Year Fixed Rates

30 Year FHA mortgages in San Antonio averaged 6.1% for the week of 2024-02-16, compared to the national average (all FHA variants) of 6.611% for the same period.

San Antonio's average FHA mortgage closing costs are $8,453.

The average rate for the prior week (2024-02-09) was 6.11% and one month ago for the week of 2024-01-12, the average rate was 5.95%.

The average rate one year ago was 5.8%.

For refis of the same type during the week of 2024-02-16, the average rate was 4.96%.

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 2022 Avg. 30yFix Rate 2022 Avg. Closing Costs
DHI MORTGAGE COMPANY, LTD. 794 4.33% $9,998
EAGLE HOME MORTGAGE, LLC 714 4.50% $9,533
AMCAP MORTGAGE, LTD. 401 5.33% $12,574
UNITED WHOLESALE MORTGAGE, LLC 293 5.12% $11,664
LOANDEPOT.COM, LLC 243 5.10% $11,894
CORNERSTONE HOME LENDING, INC. 241 4.84% $11,777
QUICKEN LOANS, LLC 221 4.56% $12,114
CALIBER HOME LOANS, INC. 213 4.77% $10,653
Gateway First Bank 206 5.34% $9,202
AMERICAN PACIFIC MORTGAGE CORPORATION 196 4.97% $11,712
PULTE MORTGAGE LLC 184 4.93% $8,209
KBHS HOME LOANS, LLC 183 5.14% $14,394
ARK-LA-TEX FINANCIAL SERVICES, LLC. 158 5.15% $8,596
GUILD MORTGAGE COMPANY 151 5.30% $13,137
FAIRWAY INDEPENDENT MORTGAGE CORPORATION 138 5.26% $11,441
M/I FINANCIAL, LLC 132 4.82% $12,756
V.I.P. MORTGAGE, INC. 121 5.08% $11,995
VELOCIO MORTGAGE L.L.C. 119 4.99% $12,457
ACADEMY MORTGAGE CORPORATION 106 5.74% $11,439
DIRECTIONS EQUITY, LLC 103 5.00% $10,211
THRIVE MORTGAGE, LLC 102 5.11% $13,311
Amerifirst Financial, Inc. 86 5.47% $9,586
PILGRIM MORTGAGE LLC 83 5.41% $12,778
CARDINAL FINANCIAL 78 5.19% $11,942
CMG MORTGAGE, INC. 77 4.88% $12,202
MOVEMENT MORTGAGE, LLC 75 5.02% $11,639
Network Funding, L.P. 74 5.05% $12,020
INTERLINC MORTGAGE SERVICES, LLC 70 5.09% $11,348
Wallick & Volk, Inc. 67 5.45% $9,691
MORTGAGE FINANCIAL SERVICES, LLC 67 5.44% $11,361
FBC MORTGAGE, LLC 60 4.66% $9,448
PRIMELENDING, A PLAINSCAPITAL COMPANY 60 5.18% $12,749
NATIONS RELIABLE LENDING, LLC 60 4.99% $12,756
FREEDOM MORTGAGE CORPORATION 58 4.58% $9,352
GUARANTEED RATE, INC. 58 5.44% $11,967
Mr. Cooper ( Nationstar Mortgage ) 55 3.81% $5,560
PENNYMAC LOAN SERVICES, LLC 53 3.97% $7,106
SWBC MORTGAGE CORPORATION 50 5.48% $9,191
S1L, Inc. 47 5.51% $11,089
INSPIRE HOME LOANS INC. 46 4.99% $12,899
SOUTHWEST FUNDING, LP 45 5.05% $14,775
Lakeview Community Capital, LLC 43 3.32% $5,674
LAKEVIEW LOAN SERVICING, LLC 42 3.32% $5,201
PLANET HOME LENDING, LLC 42 4.76% $10,284
CLM MORTGAGE, INC 42 5.36% $13,283
BROKER SOLUTIONS, INC. 40 5.22% $11,972
EVERETT FINANCIAL, INC. 40 5.61% $7,687
SENTE MORTGAGE, INC. 36 5.60% $12,755
First United Bank and Trust Company 34 5.48% $12,791
HOMEBRIDGE FINANCIAL SERVICES, INC. 30 5.54% $12,402
CROSSCOUNTRY MORTGAGE, LLC 30 5.04% $13,863
Bank of England 29 4.88% $12,395
Flagstar Bank, FSB 29 4.96% $10,475
BECKAM FUNDING CORP. 29 5.85% $20,890
NEWREZ LLC 28 5.19% $8,954
BROOKHOLLOW MORTGAGE SERVICES, LTD 28 5.01% $16,848
SECURITYNATIONAL MORTGAGE COMPANY 28 5.33% $12,126
Sunflower Bank 27 4.92% $11,842
CRESTMARK MORTGAGE COMPANY, LTD. 26 4.89% $17,341
Jefferson Bank 25 4.79% $8,289
CERTAINTY HOME LOANS, LLC 24 5.24% $10,664
HOME POINT FINANCIAL CORPORATION 24 4.70% $10,848
Equity Prime Mortgage LLC 22 5.59% $13,046
PANORAMA MORTGAGE GROUP, LLC 22 5.22% $10,999
ANGEL OAK HOME LOANS LLC 21 4.81% $11,846
Assurance Financial Group, L.L.C. 20 5.38% $11,255
Paramount Residential Mortgage Group, Inc. 19 5.27% $12,154
LOANPEOPLE, LLC 18 5.28% $12,703
CANOPY MORTGAGE, LLC 18 5.21% $12,206
FIRST CENTENNIAL MORTGAGE CORPORATION 18 5.45% $11,484
GENEVA FINANCIAL, LLC 18 5.31% $12,495
PLAZA HOME MORTGAGE, INC. 17 4.63% $11,948
RB MORTGAGE LLC 16 4.95% $8,180
UNION HOME MORTGAGE CORP. 16 5.03% $9,652
CALCON MUTUAL MORTGAGE LLC 16 5.56% $15,572
SOUTHWEST STAGE FUNDING, LLC 15 4.88% $8,750
JPMorgan Chase Bank 15 5.40% $7,821
AMERISAVE MORTGAGE CORPORATION 13 4.07% $14,821
T2 FINANCIAL LLC 13 4.92% $11,217
VILLAGE CAPITAL MORTGAGE 13 3.49% $3,899
1ST PREFERENCE MORTGAGE CORP. 12 5.23% $13,565
Austin Capital Bank SSB 12 4.54% $12,600
Carrington Mortgage Services, LLC 12 4.60% $9,053
MORTGAGE SOLUTIONS OF COLORADO, LLC 12 5.31% $12,125
Loan Simple, Inc. 11 5.93% $12,526
NTFN, INC. 11 4.70% $9,325
CORNERSTONE MORTGAGE PARTNERS OF TEXAS, L.P. 11 5.13% $11,493
Plains Commerce Bank 10 4.77% $10,867
HIGHLANDS RESIDENTIAL MORTGAGE, LTD. 10 4.16% $10,281
GREAT WESTERN FINANCIAL SERVICES, INC. 10 5.04% $12,409
SFMC, LP 10 5.46% $14,086
Bank of America 10 4.64% $4,664
Citizens Bank 10 4.15% $11,101
The Home Loan Expert LLC 9 4.00% $10,810
UNIVERSITY Federal Credit Union 9 4.33% $9,977
First Guaranty Mortgage Corporation 7 4.13% $10,836
MID AMERICA MORTGAGE, INC. 7 4.86% $7,719
CHERRY CREEK MORTGAGE, LLC 7 5.37% $4,884
Nations Lending Corporation 7 4.68% $12,498
GUARANTEED RATE AFFINITY, LLC 7 5.21% $13,265
KELLER MORTGAGE, LLC 7 5.07% $9,418
PENTAGON FEDERAL CREDIT UNION 7 4.84% $8,893
First National Bank Texas 6 4.79% $12,711
Northpointe Bank 6 4.69% $13,763
THE MORTGAGE FIRM, INC. 6 4.67% $13,666
AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC 6 4.83% $13,166
AMERICAN FINANCIAL RESOURCES, INC. 6 5.27% $8,276
FINANCE OF AMERICA MORTGAGE LLC 6 4.81% $10,419
OPEN MORTGAGE, LLC 6 4.83% $10,643
FC LENDING, LTD. 6 5.52% $13,514
Century Mortgage Company DBA Century Lending Company 6 5.69% $13,659
HANCOCK MORTGAGE PARTNERS, LLC 6 5.35% $10,350
Zions Bank 5 4.88% $11,417
Hometown Lenders, Inc. 5 4.75% $11,281
ASPIRE FINANCIAL, INC. 5 3.88% $10,721
ENCORE BANK 5 4.35% $10,196
ZILLOW HOME LOANS, LLC 5 5.20% $10,927
SUN WEST MORTGAGE COMPANY, INC. 4 6.19% $12,612
Commerce Home Mortgage, Inc. 4 4.41% $9,733
NATIONS DIRECT MORTGAGE, LLC 4 4.28% $15,684
MUTUAL OF OMAHA MORTGAGE, INC. 4 4.16% $11,181
Encompass Lending Group, LP 4 5.59% $12,653
SeaTrust Mortgage Company 4 6.19% $15,900
LOANPAL, LLC 4 3.81% $9,826
AmeriHome Mortgage Company, LLC 4 3.22% $7,186
MANN FINANCIAL INC. 4 5.81% $15,370
DRAPER AND KRAMER MORTGAGE CORP. 4 5.28% $13,501
NFM, INC. 4 5.94% $10,672
FIRST CONTINENTAL MORTGAGE, LTD. 4 4.75% $15,962
HOMESIDE FINANCIAL, LLC 4 3.72% $10,079
AMERICAN HOMESTAR MORTGAGE, L.L.C. 4 4.94% $15,093
NBKC BANK 3 4.92% $11,924
PRIORITY HOME MORTGAGE, L.P. 3 4.50% $11,502
Republic State Mortgage Co. 3 6.13% $14,265
LEADERONE FINANCIAL CORPORATION 3 4.50% $15,502
MICHIGAN MUTUAL, INC. 3 5.50% $13,068
Mortgage Research Center, LLC 3 5.29% $7,602
HOMESPIRE MORTGAGE CORPORATION 3 6.08% $10,828
Hometown Equity Mortgage, LLC 3 6.25% $16,942
Wyndham Capital Mortgage, Inc. 3 5.21% $9,974
JMAC LENDING, INC. 3 6.08% $12,943
North American Savings Bank, F.S.B. 3 5.96% $11,607
ENVOY MORTGAGE, LTD 3 5.29% $13,193
CASTLE & COOKE MORTGAGE, LLC 3 4.92% $11,418
VANDERBILT MORTGAGE AND FINANCE, INC. 2 5.56% $16,897
Town Square Mortgage & Investments, Inc. 2 4.94% $10,328
GUARANTY HOME MORTGAGE CORPORATION 2 4.94% $8,036
Neighborhood Loans, Inc. 2 5.81% $13,309
CHURCHILL MORTGAGE CORPORATION 2 5.81% $10,153
TOWNE MORTGAGE COMPANY 2 6.63% $9,971
Midwest Mortgage Associates Corporation 2 5.81% $11,156
Barrington Bank & Trust Company, N.A. 2 4.75% $15,738
SUMMIT FUNDING, INC. 2 4.75% $14,915
Strong Home Mortgage, LLC 2 4.13% $6,015
LIBERTY HOME MORTGAGE CORPORATION 2 3.63% $13,481
ROYAL UNITED MORTGAGE LLC 2 5.25% $10,461
First Bank 2 3.94% $12,574
ROUNDPOINT MORTGAGE SERVICING CORPORATION 2 4.63% $12,771
PNC Bank 2 6.81% $7,223
HAMILTON HOME LOANS, INC. 2 5.12% $11,151
International Bank of Commerce 2 4.56% $6,352
Regions Bank 2 5.75% $10,091
Ixonia Bank 2 6.13% $12,339
WILLOW BEND MORTGAGE COMPANY, LLC 2 5.25% $18,310
Wells Fargo Bank 2 5.63% $11,194
HOMESTAR FINANCIAL CORPORATION 2 4.56% $10,628
Alcova Mortgage LLC 2 5.81% $12,532
First Savings Bank 1 3.75% $16,106
HighTechLending Inc 1 5.25% $10,049
HOMEOWNERS FINANCIAL GROUP USA, LLC 1 4.00% $9,414
EUSTIS AND AMERICAN MORTGAGE COMPANY 1 5.38% $11,939
HOMETRUST MORTGAGE COMPANY 1 5.13% $7,484
HOMEWAY MORTGAGE LLC 1 3.63% $10,527
INLAND BANK & TRUST 1 6.63% $11,781
JMJ FINANCIAL GROUP 1 5.25% $17,144
EMBRACE HOME LOANS, INC. 1 3.25% $9,737
DELMAR FINANCIAL COMPANY 1 5.63% $6,079
DAS Acquisition Company, LLC 1 5.13% $20,909
LAND HOME FINANCIAL SERVICES, INC. 1 6.50% $14,063
LHM FINANCIAL CORPORATION 1 5.63% $13,869
CUSTOMER SERVICE MORTGAGE CORPORATION 1 5.63% $19,876
Meridian Bank Corporation 1 3.25% $11,973
Cornerstone First Mortgage, Inc 1 5.63% $10,125
CONTOUR MORTGAGE CORPORATION 1 2.88% $13,853
MOUNTAIN WEST FINANCIAL, INC. 1 4.00% $9,800
Colonial Savings, F.A. 1 5.38% $17,549
M&T Bank 1 2.75% $7,410
MY MORTGAGE, INC. 1 7.13% $13,660
NOVA FINANCIAL & INVESTMENT CORPORATION 1 4.50% $10,176
OCEANSIDE MORTGAGE COMPANY 1 4.00% $1,697
OCMBC, INC. 1 7.63% $14,804
Origin Bank 1 4.63% $9,842
OVM FINANCIAL, INC. 1 5.38% $10,379
Pacific Lending LLC 1 5.63% $13,872
Centennial Bank 1 3.75% $8,087
BOKF 1 4.50% $8,062
BNC National Bank 1 4.38% $11,242
Bell Bank 1 5.25% $10,595
PREMIA MORTGAGE, LLC 1 3.63% $5,990
BAY EQUITY LLC 1 3.75% $7,850
Bank of Utah 1 3.75% $11,712
RESIDENTIAL BANCORP 1 2.75% $8,789
RESIDENTIAL HOME FUNDING CORP. 1 4.75% $14,105
BancorpSouth 1 5.88% $23,644
AXIA FINANCIAL, LLC 1 4.38% $8,665
Security State Bank & Trust 1 5.63% $8,174
ASSOCIATED MORTGAGE CORPORATION 1 4.25% $24,115
ASCENT HOME LENDING, LLC 1 6.75% $17,501
Specialized Loan Servicing LLC 1 3.00% $5,070
SUCCESS MORTGAGE PARTNERS, INC. 1 3.50% $10,333
Arvest Bank 1 3.75% $9,632
TEXAS DOW EMPLOYEES CREDIT UNION 1 5.63% $11,147
The Huntington National Bank 1 5.50% $9,951
THE MORTGAGE LINK, INC. 1 5.50% $14,150
American Mortgage Bank, LLC 1 4.75% $9,427
TJC Mortgage, Inc. 1 6.25% $14,289
TOTAL MORTGAGE SERVICES, LLC 1 5.75% $14,691
Trinity Oaks Mortgage, LLC 1 3.25% $12,128
AMERICAN FINANCING CORPORATION 1 3.75% $5,826
U.S. Bank 1 5.75% $7,005
VAN DYK MORTGAGE CORPORATION 1 7.63% $6,932
Amarillo National Bank 1 4.63% $9,249
AHL FUNDING 1 4.75% $23,370
WESTSTAR MORTGAGE CORPORATION 1 5.00% $10,927
Franklin Loan Corporation 1 5.50% $21,475

The top San Antonio FHA lender as defined by loan originations is DHI MORTGAGE COMPANY, LTD., with 794 FHA loans originated. Their average total fees are $9,998, which is $466 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 ($3,899), Bank of America ($4,664), LAKEVIEW LOAN SERVICING, LLC ($5,201), Mr. Cooper ( Nationstar Mortgage ) ($5,560) and Lakeview Community Capital, LLC ($5,674).

The lowest rate San Antonio FHA lenders (with over 10 loans originated) are LAKEVIEW LOAN SERVICING, LLC (3.32%), Lakeview Community Capital, LLC (3.32%), VILLAGE CAPITAL MORTGAGE (3.49%), Mr. Cooper ( Nationstar Mortgage ) (3.81%) and PENNYMAC LOAN SERVICES, LLC (3.97%).

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
SAN ANTONIO-NEW BRAUNFELS, TX ATASCOSA 2023 $524,400 $671,300 $811,450 $1,008,450
SAN ANTONIO-NEW BRAUNFELS, TX BANDERA 2023 $524,400 $671,300 $811,450 $1,008,450
SAN ANTONIO-NEW BRAUNFELS, TX BEXAR 2023 $524,400 $671,300 $811,450 $1,008,450
SAN ANTONIO-NEW BRAUNFELS, TX COMAL 2023 $524,400 $671,300 $811,450 $1,008,450
SAN ANTONIO-NEW BRAUNFELS, TX GUADALUPE 2023 $524,400 $671,300 $811,450 $1,008,450
SAN ANTONIO-NEW BRAUNFELS, TX KENDALL 2023 $524,400 $671,300 $811,450 $1,008,450
SAN ANTONIO-NEW BRAUNFELS, TX MEDINA 2023 $524,400 $671,300 $811,450 $1,008,450
SAN ANTONIO-NEW BRAUNFELS, TX WILSON 2023 $524,400 $671,300 $811,450 $1,008,450

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%) $373,893 (0.4%) 1.05 7,238
2018-02-01 $284,990 (-0.9%) $375,261 (-0.3%) 1.03 7,293
2018-03-01 $291,000 (-0.3%) $381,155 (-0.1%) 1.02 7,398
2018-04-01 $299,000 (1.5%) $385,285 (-1.6%) 1.01 7,440
2018-05-01 $299,700 (1.6%) $388,670 (-0.9%) 1.00 7,780
2018-06-01 $299,500 (1.2%) $390,279 (-0.7%) 1.00 8,256
2018-07-01 $295,000 (0.9%) $387,041 (-0.3%) 0.99 8,613
2018-08-01 $291,175 (1.9%) $382,621 (0.5%) 0.98 8,890
2018-09-01 $287,000 (1.4%) $379,427 (0.7%) 0.96 8,707
2018-10-01 $285,450 (2.0%) $378,349 (1.5%) 0.97 8,696
2018-11-01 $285,000 (1.8%) $373,157 (0.2%) 0.97 8,640
2018-12-01 $285,000 (1.4%) $372,954 (0.3%) 0.98 8,409
2019-01-01 $285,000 (0.4%) $371,097 (-0.8%) 0.98 7,936
2019-02-01 $285,725 (0.3%) $370,081 (-1.4%) 0.97 7,991
2019-03-01 $291,667 (0.2%) $377,466 (-1.0%) 0.95 8,153
2019-04-01 $295,500 (-1.2%) $385,260 (0.0%) 0.94 8,579
2019-05-01 $295,750 (-1.3%) $389,326 (0.2%) 0.92 8,858
2019-06-01 $295,000 (-1.5%) $390,060 (-0.1%) 0.92 9,185
2019-07-01 $293,648 (-0.5%) $388,146 (0.3%) 0.92 9,415
2019-08-01 $288,358 (-1.0%) $383,654 (0.3%) 0.91 9,459
2019-09-01 $285,907 (-0.4%) $378,611 (-0.2%) 0.92 9,448
2019-10-01 $283,094 (-0.8%) $373,233 (-1.4%) 0.91 9,486
2019-11-01 $279,900 (-1.8%) $366,401 (-1.8%) 0.92 9,351
2019-12-01 $278,973 (-2.1%) $363,273 (-2.6%) 0.93 9,143
2020-01-01 $279,000 (-2.1%) $362,856 (-2.2%) 0.93 8,635
2020-02-01 $282,990 (-1.0%) $372,894 (0.8%) 0.93 8,435
2020-03-01 $289,450 (-0.8%) $379,961 (0.7%) 0.91 8,168
2020-04-01 $289,000 (-2.2%) $374,931 (-2.7%) 0.91 8,356
2020-05-01 $295,000 (-0.3%) $390,695 (0.4%) 0.90 8,017
2020-06-01 $302,500 (2.5%) $405,102 (3.9%) 0.89 7,069
2020-07-01 $309,000 (5.2%) $412,541 (6.3%) 0.90 6,645
2020-08-01 $301,480 (4.6%) $411,219 (7.2%) 0.86 6,269
2020-09-01 $299,389 (4.7%) $411,765 (8.8%) 0.86 6,035
2020-10-01 $295,775 (4.5%) $408,319 (9.4%) 0.85 5,806
2020-11-01 $293,925 (5.0%) $405,804 (10.8%) 0.86 5,519
2020-12-01 $290,039 (4.0%) $399,610 (10.0%) 0.86 5,058
2021-01-01 $289,000 (3.6%) $403,957 (11.3%) 0.86 4,327
2021-02-01 $295,945 (4.6%) $417,943 (12.1%) 0.86 3,576
2021-03-01 $298,690 (3.2%) $430,558 (13.3%) 0.85 2,963
2021-04-01 $303,469 (5.0%) $448,045 (19.5%) 0.82 2,613
2021-05-01 $308,750 (4.7%) $450,113 (15.2%) 0.82 2,706
2021-06-01 $315,000 (4.1%) $457,145 (12.9%) 0.83 3,156
2021-07-01 $325,108 (5.2%) $465,195 (12.8%) 0.86 3,713
2021-08-01 $335,975 (11.4%) $454,679 (10.6%) 0.90 4,457
2021-09-01 $330,000 (10.2%) $447,809 (8.8%) 0.88 4,582
2021-10-01 $332,225 (12.3%) $454,224 (11.2%) 0.89 4,441
2021-11-01 $332,085 (13.0%) $458,562 (13.0%) 0.89 4,185
2021-12-01 $337,989 (16.5%) $463,542 (16.0%) 0.92 3,932
2022-01-01 $339,542 (17.5%) $465,737 (15.3%) 0.92 3,555
2022-02-01 $335,819 (13.5%) $464,621 (11.2%) 0.87 2,910
2022-03-01 $344,500 (15.3%) $475,034 (10.3%) 0.86 2,678
2022-04-01 $360,000 (18.6%) $489,812 (9.3%) 0.86 2,881
2022-05-01 $379,495 (22.9%) $502,894 (11.7%) 0.87 3,791
2022-06-01 $382,425 (21.4%) $508,435 (11.2%) 0.85 4,619
2022-07-01 $379,900 (16.9%) $496,539 (6.7%) 0.86 6,059
2022-08-01 $363,089 (8.1%) $480,440 (5.7%) 0.84 7,216
2022-09-01 $359,950 (9.1%) $473,129 (5.7%) 0.84 7,513
2022-10-01 $354,900 (6.8%) $468,644 (3.2%) 0.84 8,014
2022-11-01 $349,999 (5.4%) $458,838 (0.1%) 0.84 8,256
2022-12-01 $349,000 (3.3%) $457,208 (-1.4%) 0.86 7,848
2023-01-01 $347,000 (2.2%) $456,447 (-2.0%) 0.86 7,347
2023-02-01 $340,000 (1.3%) $453,139 (-2.5%) 0.82 7,288
2023-03-01 $346,495 (0.6%) $467,376 (-1.6%) 0.82 6,992
2023-04-01 $351,490 (-2.4%) $483,163 (-1.4%) 0.82 6,864
2023-05-01 $357,496 (-5.8%) $484,041 (-3.8%) 0.81 7,331
2023-06-01 $367,250 (-4.0%) $494,881 (-2.7%) 0.83 7,652
2023-07-01 $365,000 (-3.9%) $490,863 (-1.1%) 0.83 8,145
2023-08-01 $357,000 (-1.7%) $483,111 (0.6%) 0.82 8,540
2023-09-01 $349,900 (-2.8%) $471,178 (-0.4%) 0.81 9,345
2023-10-01 $347,000 (-2.2%) $464,762 (-0.8%) 0.82 9,660
2023-11-01 $339,900 (-2.9%) $453,303 (-1.2%) 0.81 9,882
2023-12-01 $335,550 (-3.9%) $449,567 (-1.7%) 0.82 9,488
San Antonio's median listing price for 2023-12-01 was $335,550, a difference of $-13,450 (-3.9%) versus the prior year and $-4,350 versus the prior month.

San Antonio's median listing price comes in at 82% of the national average.

San Antonio's average listing price for 2023-12-01 was $449,567, a difference of $-7,641 (-1.7%) versus the prior year and $-3,736 versus the prior month.

For the 2023-12-01 period, San Antonio had 9,488 MLS listings, a difference of -394 listings (-4%) versus the prior month and 1,640 listings (21%) 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 73 days 2,336 sqft
2018-02-01 67 days 2,352 sqft
2018-03-01 53 days 2,380 sqft
2018-04-01 50 days 2,409 sqft
2018-05-01 50 days 2,420 sqft
2018-06-01 50 days 2,408 sqft
2018-07-01 52 days 2,391 sqft
2018-08-01 56 days 2,380 sqft
2018-09-01 59 days 2,356 sqft
2018-10-01 62 days 2,336 sqft
2018-11-01 64 days 2,311 sqft
2018-12-01 70 days 2,303 sqft
2019-01-01 72 days 2,289 sqft
2019-02-01 66 days 2,301 sqft
2019-03-01 57 days 2,318 sqft
2019-04-01 51 days 2,329 sqft
2019-05-01 50 days 2,328 sqft
2019-06-01 52 days 2,323 sqft
2019-07-01 53 days 2,323 sqft
2019-08-01 55 days 2,296 sqft
2019-09-01 57 days 2,265 sqft
2019-10-01 59 days 2,241 sqft
2019-11-01 59 days 2,235 sqft
2019-12-01 67 days 2,196 sqft
2020-01-01 73 days 2,184 sqft
2020-02-01 68 days 2,195 sqft
2020-03-01 61 days 2,225 sqft
2020-04-01 61 days 2,221 sqft
2020-05-01 64 days 2,241 sqft
2020-06-01 66 days 2,245 sqft
2020-07-01 55 days 2,243 sqft
2020-08-01 51 days 2,240 sqft
2020-09-01 53 days 2,187 sqft
2020-10-01 54 days 2,149 sqft
2020-11-01 53 days 2,106 sqft
2020-12-01 58 days 2,065 sqft
2021-01-01 60 days 2,021 sqft
2021-02-01 46 days 1,980 sqft
2021-03-01 45 days 1,961 sqft
2021-04-01 37 days 1,992 sqft
2021-05-01 33 days 1,995 sqft
2021-06-01 31 days 2,014 sqft
2021-07-01 32 days 2,042 sqft
2021-08-01 32 days 2,085 sqft
2021-09-01 38 days 2,029 sqft
2021-10-01 43 days 1,998 sqft
2021-11-01 44 days 1,994 sqft
2021-12-01 48 days 1,991 sqft
2022-01-01 53 days 1,964 sqft
2022-02-01 41 days 1,909 sqft
2022-03-01 36 days 1,919 sqft
2022-04-01 32 days 1,980 sqft
2022-05-01 30 days 2,039 sqft
2022-06-01 30 days 2,058 sqft
2022-07-01 31 days 2,055 sqft
2022-08-01 39 days 2,031 sqft
2022-09-01 47 days 2,028 sqft
2022-10-01 52 days 2,021 sqft
2022-11-01 56 days 2,015 sqft
2022-12-01 67 days 2,002 sqft
2023-01-01 79 days 1,996 sqft
2023-02-01 67 days 1,943 sqft
2023-03-01 55 days 1,935 sqft
2023-04-01 53 days 1,978 sqft
2023-05-01 46 days 1,984 sqft
2023-06-01 47 days 2,020 sqft
2023-07-01 50 days 2,034 sqft
2023-08-01 51 days 2,015 sqft
2023-09-01 51 days 1,970 sqft
2023-10-01 56 days 1,961 sqft
2023-11-01 59 days 1,949 sqft
2023-12-01 68 days 1,937 sqft
San Antonio's median listing age (time on market) for 2023-12-01 was 68 days. This is 1% longer than the same period one year ago.

San Antonio's median square footage for active listings during the 2023-12-01 period was 1,937 sqft. One year prior, the average listing was 2,002 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).