ZIP Code Market Report · May 2026
Is 78212 a Buyer's or Seller's Market?
📍 Monte Vista, San Antonio, Texas
77
🟡 WARM
Balanced market
18 avg days on market · Property tax ~2.52%/yr
Mortgage Breakdown — ZIP 78212
Median Price$480,000
20% Down Payment$96,000
Loan Amount$384,000
P&I (~6.7%)$2,477/mo
Property Tax Est.$1,008/mo
Total PITI Est.$3,685/mo
Annual Income Needed$122,833/yr
Educational purposes only. Market data estimated based on available public sources. Not financial advice. Figures are approximations and vary by property, lender, and market conditions.
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.
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