Bexar County Mortgage Calculator
On the Bexar County median home price of $244,000, a 20%-down, 30-year loan at today's 6.47% rate runs about $1,938/month — $1,230 principal & interest, $368 property tax at Bexar County's 1.81% effective rate, and $340 homeowners insurance. That is about $83/month more than the Texas state-average tax rate would cost on the same home. Enter your own price and down payment below.
$1,938 /mo
P&I: $1,230 · Tax: $368 · Insurance: $340
Loan amount: $195,200 · Total interest: $247,581
Yearly amortization schedule
| Year | Interest | Principal | PMI | Balance |
|---|---|---|---|---|
| 1 | $12,565 | $2,194 | — | $193,006 |
| 2 | $12,419 | $2,341 | — | $190,665 |
| 3 | $12,263 | $2,497 | — | $188,169 |
| 4 | $12,096 | $2,663 | — | $185,506 |
| 5 | $11,919 | $2,840 | — | $182,665 |
| 6 | $11,730 | $3,030 | — | $179,636 |
| 7 | $11,528 | $3,232 | — | $176,404 |
| 8 | $11,312 | $3,447 | — | $172,957 |
| 9 | $11,083 | $3,677 | — | $169,280 |
| 10 | $10,837 | $3,922 | — | $165,358 |
| 11 | $10,576 | $4,183 | — | $161,175 |
| 12 | $10,297 | $4,462 | — | $156,713 |
| 13 | $10,000 | $4,760 | — | $151,953 |
| 14 | $9,683 | $5,077 | — | $146,876 |
| 15 | $9,344 | $5,415 | — | $141,461 |
| 16 | $8,983 | $5,776 | — | $135,685 |
| 17 | $8,598 | $6,161 | — | $129,524 |
| 18 | $8,188 | $6,572 | — | $122,952 |
| 19 | $7,750 | $7,010 | — | $115,942 |
| 20 | $7,282 | $7,477 | — | $108,465 |
| 21 | $6,784 | $7,975 | — | $100,490 |
| 22 | $6,252 | $8,507 | — | $91,983 |
| 23 | $5,685 | $9,074 | — | $82,909 |
| 24 | $5,081 | $9,679 | — | $73,230 |
| 25 | $4,435 | $10,324 | — | $62,906 |
| 26 | $3,747 | $11,012 | — | $51,894 |
| 27 | $3,013 | $11,746 | — | $40,148 |
| 28 | $2,230 | $12,529 | — | $27,619 |
| 29 | $1,395 | $13,364 | — | $14,255 |
| 30 | $504 | $14,255 | — | $0 |
Rates: Freddie Mac PMMS (wk 2026-06-18). Property tax: Tax Foundation. Insurance: Insurance.com. PMI applies when your down payment is under 20% (LTV > 80%). You can request cancellation at 80% LTV; the servicer must auto-terminate it at 78% (Homeowners Protection Act). How we calculate →
Monthly payment breakdown for a Bexar County home
At the Bexar County median home price of $244,000, a conventional 30-year loan at 6.47% with 20% down splits into: $1,230 principal & interest, $368 property tax, and $340 homeowners insurance — a total PITI of $1,938/month.
The property tax line uses Bexar County's real effective rate of 1.81% (median tax bill of $4,429 on a median home value of $244,100, US Census ACS), not a generic national average — so this figure reflects what Bexar County actually charges, before any local exemption.
Bexar County vs the Texas state average property tax rate
Bexar County's 1.81% effective property tax rate is above Texas's 1.4% state average. On the same $244,000 home, that difference works out to $83/month more in the tax line of the mortgage payment compared with paying the Texas average rate instead of Bexar County's.
Property tax is set locally — by the county, city and school district — so the state average is only a rough guide. Two otherwise identical Texas homes in different counties can carry meaningfully different monthly payments purely because of where the tax rate lands.
What the Bexar County median buys vs a $400,000 national budget
A $400,000 home taxed at Bexar County's 1.81% rate and insured at Texas's average would run about $2,960/month — $1,022 more than the Bexar County county median payment of $1,938/month, since Bexar County's median home price ($244,000) is $156,000 below the $400,000 reference used elsewhere on this site.
In other words, price — not tax rate — usually drives the biggest gap between a Bexar County payment and a generic national estimate. Use the calculator above to swap in your own target price.
PMI in Bexar County if you put down less than 20%
Putting 10% down instead of 20% on the same $244,000 Bexar County home adds private mortgage insurance (PMI) of about $146/month, bringing the total payment to roughly $2,239/month instead of $1,938. PMI is required on conventional loans below 20% down and cancels automatically once your loan balance reaches 78% of the original price.
Bexar County mortgage — frequently asked questions
How much is a mortgage payment in Bexar County?
On the Bexar County median home price of $244,000, a 20%-down 30-year loan at 6.47% runs about $1,938/month total (principal, interest, property tax and insurance).
What is the property tax on the median home in Bexar County?
Bexar County's effective property tax rate is 1.81%, which works out to about $368/month ($4,416/year) on the $244,000 county median home value.
How does Bexar County property tax compare to the rest of Texas?
Bexar County's 1.81% effective rate is above the Texas state average of 1.4%, a difference of about $83/month on a $244,000 home.
What income do I need to afford a home in Bexar County?
Using the common 28%-of-gross-income guideline against the $1,938/month PITI payment on the Bexar County median home, that implies a gross annual income of roughly $83,074.
How much does PMI cost in Bexar County with less than 20% down?
Putting 10% down on the $244,000 Bexar County median home adds about $146/month in PMI, for a total payment near $2,239/month instead of $1,938.
What's included in a Bexar County mortgage payment?
PITI: principal and interest together $1,230, property tax $368 at Bexar County's 1.81% rate, and homeowners insurance $340 at the Texas state average — no HOA dues assumed unless you add them above.
More Texas counties in this pilot
Texas mortgage calculator · Bexar County property tax deep-dive — the full county-by-county property tax breakdown behind this payment estimate.
Mortgage calculators in other pilot counties
Researched & verified by the Calcuris Data & Research Team. How we build and check our tools →