Schertz, TX

Average · 107

Texas · Population 43,128 · Updated March 2026

$1,593
Median Rent / Month
$96,633
Median Income
$292,100
Median Home Value
$1,686
Owner Costs / Month

Affordability

How far your income goes in Schertz

19.8%
Rent-to-Income Ratio
Affordable
Rent takes less than 25% of median income — considered affordable by HUD standards.

Tax Burden in Texas

State-level tax rates that affect your costs

0%
Income Tax (Top Rate)
6.25%
Sales Tax
1.6%
Property Tax Rate

Estimated Annual Costs

$19,116
Annual Rent
$0
State Income Tax
$4,674
Property Tax (est.)

Cost of Living Overview

Schertz is more expensive than the national average. Higher housing costs are typically the primary driver. With a cost index of 107 (where 100 equals the national median), Schertz residents can expect to pay median rent of $1,593/month while earning a median household income of $96,633/year.

The median home value in Schertz, TX is $292,100, with typical monthly owner costs around $1,686 including mortgage, insurance, and taxes. The median rent-to-income ratio of 19.8% means housing is relatively affordable here — well below the 30% threshold that HUD considers cost-burdened.

Texas has no state income tax, which can represent significant savings compared to high-tax states. Combined with a 6.25% sales tax rate and 1.6% effective property tax rate, the overall tax environment helps keep costs manageable in Schertz.

Frequently Asked Questions

Common questions about living costs in Schertz

What is the cost of living in Schertz, TX?
The cost of living index in Schertz, TX is 107 (US average = 100). Median monthly rent is $1,593, median household income is $96,633/year, and the median home value is $292,100.
Is Schertz, TX affordable?
No, Schertz is more expensive than the national average with a cost index of 107. The rent-to-income ratio is 19.8%—below the 30%% threshold considered affordable by HUD.
What is the average rent in Schertz, TX?
The median gross rent in Schertz, TX is $1,593 per month according to the US Census Bureau ACS 2023 data. Annual rent costs approximately $19,116.
What is the median household income in Schertz?
The median household income in Schertz, TX is $96,633 per year. This compares to the national median of approximately $80,000.
What are the taxes like in Texas?
Texas has a top income tax rate of 0%, a sales tax of 6.25%, and an effective property tax rate of 1.6%. Notably, there is no state income tax.