What $455K Buys You in Schertz Right Now (2026)

The brick front of 3113 Cameron Riv in the Fairway Ridge neighborhood of Schertz. Photo: Sharp Realty Group.

You have a report date to Joint Base San Antonio, a budget built around your housing allowance, and a number in your head that says $455,000 either buys real space in Schertz or gets you a builder-grade box on a bare lot. From another state, staring at listing photos, it is hard to tell which. That gap between the price and what it actually gets you is the question I answer for buyers every week.

I am Anthony Sharp, a U.S. Air Force veteran and REALTOR® with Sharp Realty Group here in Cibolo, and I list and sell in Schertz while managing rentals a few minutes away. The easiest way to see what $455K gets you is a real house, so let me use one 5-bedroom Schertz home I have listed at that price, because one address tells you more than any market average.

What follows is the honest breakdown of a $455,000 purchase in 2026: the home itself, how it stacks up against the wider Schertz market, the commute to each JBSA gate, and the payment math for a military buyer using a VA loan. My goal is to get you to your one house-hunting trip already knowing whether this price point fits your family.

Key Takeaways

• At $455,000 in Schertz right now, you can buy a 3,526 square foot, 5-bedroom, 3-bath two-story home in an established neighborhood minutes from Randolph AFB.
• That price sits above the citywide median, so it buys square footage and a downstairs primary rather than a starter footprint.
• A home this size feeds a strong school zone and carries a light homeowners association, but the tax bill runs several hundred dollars a month.
• A VA loan lets a qualified buyer reach this price with no down payment, so the monthly payment, not the cash to close, is the real gatekeeper.

Home values, rates, and figures in this guide are a general estimate for 2026 and change over time. Confirm current numbers with the appraisal district, a licensed lender, and your agent before you rely on them.

What $455K Buys You in Schertz Today

The fastest way to understand a price point is to stand inside a home that carries it, so let me use one I have listed. This is a real Schertz home at exactly $455,000, and it shows what the number gets you in space, condition, and layout:

The Square Footage and Floor Plan

At 3113 Cameron Riv in the Fairway Ridge neighborhood, $455,000 buys a two-story brick home with 3,526 square feet, five bedrooms, and three full baths, built in 2013. That works out to about $129 a square foot, which is a strong read on value for a home this size in the corridor. The layout puts the primary suite downstairs with dual vanities, a garden tub, a separate shower, and a walk-in closet, plus a second bedroom and full bath on the main level, and three more bedrooms and two baths upstairs. For a growing or multigenerational family, that downstairs primary and true fifth bedroom are the features that make a floor plan work rather than just look big on paper.

Listing details are deemed reliable but not warranted, and a home can change price or sell at any time. Confirm current price, status, and measurements before you rely on them.

The Condition and Systems

The kitchen at 3113 Cameron Riv, with a large island, granite counters, and stainless appliances. Photo: Sharp Realty Group.

Price is only half the story on a resale home. The other half is what you inherit, and this one carries a brand-new heating and cooling system, which takes the most expensive first-year surprise a 2013 home can hand a buyer off the table. Inside, it has soaring ceilings, two living areas, and an open kitchen with a large island, granite counters, and stainless appliances, plus a covered patio out back. A fresh system like that is real money you do not spend in year one, and it is exactly what a market average can never tell you about a specific house.

The Lot and Setting

The tree-shaded backyard at 3113 Cameron Riv, with no rear neighbors. Photo: Sharp Realty Group.

The home sits on a 7,727 square foot lot, a usable backyard without an acre to maintain, and the trees have had over a decade to fill in. That shade matters more than buyers expect until they stand in a bare new-build backyard in a San Antonio July. Fairway Ridge is a settled pocket of mostly 2000s and early 2010s homes, so the streets are quiet and residential rather than a construction zone. A single home can only show you so much of a neighborhood, and what living in Fairway Ridge is actually like day to day comes down to the schools, the price tiers, and the feel of the streets.

How $455K Compares to the Schertz Market in 2026

A single home tells you what a price buys, but you also need to know where that price sits in the wider market, because that determines your leverage. Here is how $455,000 lines up against Schertz in 2026:

The Price Against the Schertz Median

Citywide, Schertz home values in 2026 have generally sat in the $300,000s depending on the source and the age of the neighborhood, with active list prices skewing higher. That means $455,000 buys you above the middle of the market, which is why it delivers 3,500 square feet and five bedrooms rather than a three-bedroom starter footprint. The spread between older sections and newer product is wide, so any single median hides a lot. Treat published numbers as a snapshot and lean on recent comparable sales for the specific home in front of you.

The Room to Negotiate at This Level

The Schertz market in 2026 looks nothing like the frenzy of a few years ago. Inventory is up across the metro, homes are taking longer to sell, and sellers are offering credits that were off the table in 2022. Recent third-party data has shown homes in the city taking well over three months to sell on average, with most sales closing below list price. That hands a buyer at this price point room to ask for repairs, a price adjustment, or help with closing costs. A few things I watch when I evaluate a home in this range for a client:

• How long the home has been on the market and whether the price has already dropped.
• The age of the roof, heating and cooling, and water heater, since those drive first-year costs.
• Whether comparable homes nearby have closed with seller concessions.
• The floor plan itself, because a downstairs primary and a true fifth bedroom command more interest.
• Whether a fresh system or roof removes a cost you would otherwise carry in year one.

Market conditions and price ranges shift month to month and vary by source. Use these figures as a general guide, not a guarantee, and confirm current data with your agent.

The Value This Home Delivers

Value is not just the sticker. It is what that sticker gets you against everything else at the same number. At $455,000, this home puts 3,526 square feet, five bedrooms, and a brand-new heating and cooling system in front of you. That last part matters, because you are not spending your first year replacing a major system the way buyers of an older home often are. A fresh system like that changes what the house is really worth. Weigh the space, the condition, and the location together, and the number starts to look like a strong buy rather than a big one.

The Full Cost of a $455K Schertz Home

The sticker price is the number everyone fixates on, but the monthly payment is what you actually live with. On a home at this price, here is roughly how that payment breaks down:

These figures are a general guide for 2026 and depend on your assessed value, exemptions, insurance, and loan terms. Confirm your specific numbers with a licensed lender and the appraisal district.

The Monthly Payment Math

Rates move the payment more than almost anything else on the loan. The Freddie Mac 30-year fixed average was 6.67% as of August 13, 2026, easing slightly from earlier in the summer. At that rate, add up the pieces above and the full monthly figure on this home tends to run in the high $3,000s for a buyer financing the whole amount. That number swings with your rate, your down payment, and your insurance, so treat it as directional and get a real quote before you set a budget.

The Property Tax Reality

That $650-a-month tax line is the piece first-time buyers underestimate most. Texas has no state income tax, so the state leans on property taxes instead, and on a home at this price the yearly bill has landed around $7,800 depending on the assessed value and the tax year. This particular home sits in Comal County, so its appraisal and exemptions run through that county rather than Guadalupe or Bexar. File your homestead exemption and review your appraisal every year, because both move the number. I protest my own rental appraisals most years and can walk you through the process, though the figures themselves should come from the appraisal district and a tax professional.

Schools and JBSA Commute Behind the Price

Two factors decide whether a Schertz home at this price is worth it for a military family, and neither shows up in the square footage. Both are knowable before you fly in:

The School Zone Attached to the Home

A home at this price in Fairway Ridge falls within Schertz-Cibolo-Universal City Independent School District (SCUC ISD), which earned a B accountability rating with 81 out of 100 points from the Texas Education Agency for 2024-2025 and posts a four-year graduation rate around 96%. This home is zoned to Garden Ridge Elementary, Danville Middle School, and Davenport High School, though boundaries shift as the area grows and ratings vary campus to campus. Before you settle on an address, the state's Texas school ratings let you pull the current score for each campus and confirm the zoned schools for a specific home rather than assuming from the neighborhood name.

The Drive to Randolph AFB

Randolph is the commute that makes this part of Schertz attractive. From this side of the city, the drive to a Randolph gate is short, often well under 15 minutes depending on the gate and the time you leave. I spent years in uniform, and the difference between a 12-minute and a 40-minute run to the gate shows up in your quality of life fast. If Randolph is your duty station, a home at this price puts you in the right part of the corridor for the daily drive.

The Reach to the Other JBSA Gates

Joint Base San Antonio (JBSA) is not one location, and this home is not equally close to all of it. Fort Sam Houston, including Brooke Army Medical Center, typically runs about 20 to 25 minutes by way of Interstate 35 (I-35), which most families find livable even with some rush-hour drag. Lackland AFB and the Camp Bullis training area sit on the far side of San Antonio, so plan on roughly 30 to 45 minutes without traffic and more at peak. If either is your primary duty location, I usually walk buyers through the trade-off between this corridor and communities closer to those gates before they commit. Commute times swing with traffic and your exact address, so drive your real route at your report time before you decide.

Who a $455K Schertz Home Fits in 2026

No price point fits everyone, and whether this one works depends on your gate, your family size, and how long you plan to stay. Here is who tends to land well at this level and why:

The upstairs game room at 3113 Cameron Riv gives a family a second living zone. Photo: Sharp Realty Group.

Military and PCS Buyers

For a service member using a U.S. Department of Veterans Affairs (VA) loan, the zero-down structure is what makes this price reachable, since it lets a qualified buyer purchase with no down payment and no private mortgage insurance, subject to what a lender approves. That turns the monthly payment, not the cash to close, into the real gatekeeper. A move-in-ready resale with a fresh heating and cooling system also tends to clear the VA appraisal with fewer snags, which keeps a tight permanent change of station (PCS) timeline on track when your report date will not wait.

Growing and Multigenerational Families

If your priority is room to grow inside a strong school zone, the larger floor plans at this price deliver both without stepping into a luxury bracket. The feature I see families respond to most is a bedroom and full bath on the main level, separate from the primary, because it works for a parent, a returning college student, or a long-term visitor. That one detail is the difference between a house that fits a multigenerational family and one that only looks big.

Investors and Long-Term Owners

As someone who self-manages rentals across these ZIP codes, I read a home at this price differently when the goal is holding rather than living. Steady military demand near Randolph recycles every PCS season, and newer major systems keep the repair calls down in the early years, which is what protects your cash flow. The catch is the tax bill, which climbs with the assessed value, so run the full numbers on a specific home before you count on a return and talk with a tax professional about your situation.

Turning $455K Into the Right Schertz Home

The downstairs primary bath at 3113 Cameron Riv, with a garden tub and separate shower. Photo: Sharp Realty Group.

The worry that brought you here, not knowing whether $455,000 buys real value or just a big number in Schertz, should feel a lot smaller now. You can see what the price gets you in square feet and layout, where it sits against the market, what the monthly payment and tax bill really run, and which school zone and gate commute come attached. That is the position I want every buyer in this corridor to be in before their one house-hunting trip.

You do not have to sort it out alone or from another state. Living and working in this corridor every day is what lets me tell you whether a home at this price is priced right for what it offers and which trade-offs are worth making for your family. As a U.S. Air Force veteran and military relocation specialist, I can walk a home like this with you in person or by video and line up the right showings so your trip counts. When you are ready, $455,000 can buy a lot of home in Schertz.

Ready to See What $455K Buys in Schertz?

I am Anthony Sharp with Sharp Realty Group, a U.S. Air Force veteran who helps buyers and military families find the right home across Schertz, Cibolo, and the JBSA corridor. If you want a second set of eyes on a home at this price or a plan for your PCS timeline, let's talk.

Call or text: 210-997-0763

Schedule a time: book a consultation

Email: anthony@sharprealtygrouptx.com

Office: 213 Terramar, Cibolo, TX 78108

Frequently Asked Questions (FAQs)

What size home does $455,000 buy in Schertz in 2026?

At this price, you can buy a larger two-story home in the range of 3,500 square feet with five bedrooms and three baths in an established neighborhood, since $455,000 sits above the citywide median. The same money can also buy a smaller, updated home on a premium lot or a newer build with lower early maintenance. What you get depends on the neighborhood, the age of the home, and the condition of its major systems, so compare a few options before you decide.

Is $455,000 above or below the Schertz median?

It is above the middle of the market. Citywide Schertz values in 2026 have generally sat in the $300,000s depending on the source and the age of the neighborhood, so $455,000 buys you into the upper tier, which is why it delivers more square footage and a larger floor plan. Medians move month to month and vary by source, so use any figure as a snapshot and rely on recent comparable sales for a specific home.

What would the monthly payment be on a $455,000 Schertz home?

With the Freddie Mac 30-year fixed averaging 6.67% as of August 13, 2026, principal and interest on a $455,000 purchase lands near $2,900 to $3,000 a month, and the full payment with taxes, insurance, and light homeowners dues tends to run in the high $3,000s for a buyer financing the full amount. Your exact number depends on your rate, down payment, and insurance, so get a current quote from a licensed lender before you set a budget.

Can I buy a $455,000 Schertz home with a VA loan and no money down?

Generally yes. With full entitlement, a VA loan lets a qualified buyer purchase at this price with no down payment and no private mortgage insurance, subject to what your lender approves based on your income and credit. That makes the monthly payment, not the cash to close, the real hurdle at this level. A move-in-ready resale also tends to clear the VA appraisal with fewer surprises, which helps a tight PCS timeline.

What school district serves a home at this price in Schertz?

A home in this range in the Fairway Ridge area is served by Schertz-Cibolo-Universal City ISD, which earned a B accountability rating from the Texas Education Agency for 2024-2025. The specific home covered here is zoned to Garden Ridge Elementary, Danville Middle School, and Davenport High School. Attendance boundaries can change as the area grows, so verify the current zoned campuses for any specific address before you commit.

How much are property taxes on a $455,000 home in Schertz?

On a home at this price, the annual tax figure can land in the range of $7,800 depending on the assessed value, your exemptions, and the tax year, which is several hundred dollars a month in your escrow. Texas has no state income tax, so local governments lean on property taxes, and your total combines city, county, and school district rates. File your homestead exemption, review your appraisal each year, and confirm the specific numbers with the county appraisal district and a tax professional.

* * *

Disclaimer: This article is general information only and does not consider your individual financial, tax, or legal circumstances. Market data, mortgage rates, tax figures, and program terms change and are provided as a general guide, not a guarantee. Property and listing details are deemed reliable but not warranted; confirm price, status, schools, taxes, boundaries, and measurements independently. Nothing here guarantees financing, approval, appreciation, or resale value. Before making a decision, speak with a qualified professional such as a REALTOR®, a licensed lender, or an attorney about your specific situation.