$84,991/yr
is the income needed to buy the typical $276,747 home in San Antonio, TX at today's 6.95% rate — about $1,983/mo. The local median household ($74,297) falls $10,694 short.
The math (shown)
276,747 price − 10% down (27,675) = 249,072 loan
30-yr fixed at 6.95% on 249,072 = 1,649/mo principal+interest
+ 334/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
1,983/mo PITI ÷ 0.28 = 7,083/mo → 84,991/yr required
against Zillow ZHVI 2026-08 (Zillow ZHVI (typical home value, smoothed, all-homes 33–67pct tier)) and the 6.95% FRED 30-yr rate (2026-09-17). Local median income: $74,297 (U.S. Census Bureau ACS 2023 5-year, median household income (table B19013)).
Can I afford San Antonio, TX on my salary?
Your salary:
Rent vs own here
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FAQ
How much do I need to make to live in San Antonio, TX?
To buy the typical home, about $84,991/yr. Renting needs less; this page sizes the buy.
What home value is this based on?
Zillow's ZHVI typical-home-value for the San Antonio-New Braunfels, TX metro (2026-08): $276,747.
Is the mortgage rate current?
Yes — 6.95% from FRED's weekly 30-year fixed average (2026-09-17).
Glossary
ZHVI
Zillow Home Value Index — the typical home value for a region (35th–65th percentile, smoothed, seasonally adjusted).
Front-end DTI
Housing payment as a share of gross income; lenders commonly cap it near 28%.
PITI
Principal, Interest, Taxes, and Insurance — the full monthly housing cost.