ZIP Code Market Report · Updated May 2026
Is 78201 a Buyer's
or Seller's Market?
📍 San Antonio, Texas · TX
65
🟡 WARM
Balanced market
31 days avg on market · Tax rate: 2.35%/yr
Mortgage Breakdown — 78201
Median Price$310,000
20% Down$62,000
Loan Amount$248,000
Rate (~6.7%)$1,600/mo P&I
Property Tax$607/mo
Total PITI$2,336/mo
Income Needed$77,866/yr
Educational purposes only. Market data is estimated. Not financial advice. Always verify with a licensed professional.
The other half of the answer
Prices tell you what a house costs here. They do not tell you whether a lender will approve the loan — and that varies more than almost anyone realises.
16.3%
of FHA applications denied in San Antonio-New Braunfels, TX, 2025 · national 22.1%
KBHS HOME LOANS, LLC
11.9% DHI Mortgage Company, LTD.
15.6% United Wholesale Mortgage
17.8% Lennar Mortgage, LLC
21.7% A 9.8-point spread between the busiest FHA lenders in this metro.
Loans under $150K denied at 30.6% versus 14.6% above $250K.
CFPB HMDA 2025, computed by FinanceRateCalc. Covers the highest-volume lenders published for this market, not all lenders. Rates reflect applicant mix as well as lender practice — historical observations, not predictions. CC BY 4.0, not independently reproduced.
The Denial Dispatch
One finding a week from the federal mortgage record.
One chart, three paragraphs, every Saturday. Measured, not assumed.
Get the Dispatch →