Cost of Living in Schertz, TX

With a cost of living index of 105, Schertz, TX is somewhat more expensive than average. Living here is 5% more expensive than the national average and 18% above the Texas state average of 88. With a population of 43,128, Schertz is a mid-sized community that balances access to services with a more manageable cost of living compared to larger metros.

Housing costs are the biggest factor in Schertz's cost of living. The median monthly rent is $1,593 (21% above the US median of $1,319), and the median home value sits at $292,100 (4% below the national median of $304,900). At current prices, the median home costs roughly 3x the median household income — well within traditional affordability guidelines.

The median household income in Schertz is $96,633, which is 29% higher than the national median of $75,149. Residents spend roughly 20% of household income on rent. This is a comfortable ratio, well below the 30% threshold that financial experts recommend as a maximum.

Climate is another factor for anyone considering a move to Schertz. The area sees an average annual temperature of 69.6°F, with summers averaging 84°F and winters around 54°F. Annual rainfall totals 32.4 inches spread over roughly 81 days. The mild climate is a draw for many residents and keeps utility costs moderate year-round.

Everyday prices in the San Antonio-New Braunfels, TX (Metropolitan Statistical Area) metro area are generally below the national average. Out of 6 common items tracked by the Bureau of Labor Statistics, 6 are priced lower than the US average. These real-world prices — from groceries to electricity — add up and should be factored into any cost of living comparison.

Data sources: US Census Bureau (ACS 2023), Zillow Home Values, HUD Fair Market Rents, BEA Regional Price Parities, BLS Average Prices, and NOAA Climate Normals. Updated monthly.