The story of this market
The typical home in ZIP 78108 sells for about $307,300, or $165 per square foot.
Prices are up +1.2% from a year ago, so sellers still have some momentum. Homes take about 58 days to sell. HUD's fair market rent for a two-bedroom is $2,150 a month.
ZIP 78108 — Schertz
The 78108 housing market remains stable, supported by consistent demand from families and military personnel. While inventory levels have increased slightly, the area continues to see steady price appreciation and strong absorption rates. Market conditions are driven by the ongoing expansion of suburban infrastructure and the area's appeal as a commuter-friendly location.
This ZIP is ideal for families and military personnel seeking suburban living with access to good schools and a relatively short commute to major employment hubs in the San Antonio area.
Median prices moved up 1.2% year over year.
Homes spend a median of 58 days on market with 3.4 months of supply — a fast-moving market.
22% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.2% · poverty 4.1% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.8%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 6.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 78108, Cibolo TX
Cibolo generally reports low crime rates compared to the broader San Antonio metropolitan area, with property crime being the most common concern.
The area is primarily served by the Schertz-Cibolo-Universal City Independent School District, which is generally well-regarded for its academic performance and extracurricular programs.
The region is subject to standard Texas climate risks, including potential for severe thunderstorms, hail, and occasional flash flooding in low-lying areas.
Cibolo has experienced significant residential expansion due to its proximity to San Antonio and Randolph Air Force Base, driving demand for new housing and retail infrastructure.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Residents primarily commute via I-35 toward San Antonio or toward the nearby Randolph Air Force Base, with commute times typically ranging from 25 to 40 minutes.
The area features several community parks, walking trails, and proximity to the Cibolo Nature Center, with local shopping and dining concentrated along FM 1103 and Main Street.
The rental market is characterized by high demand from military personnel and families, with a limited supply of single-family rentals keeping vacancy rates low.
The local economy is heavily influenced by the proximity to Randolph Air Force Base and the broader San Antonio defense and healthcare sectors.
The area is primarily car-dependent, with I-35 serving as the main artery for regional transit.
Continued residential development is focused on the northern and eastern edges of the ZIP code.
Guadalupe County Appraisal District manages property assessments, typically updated annually based on market value.
Parcels are subject to Schertz-Cibolo-Universal City ISD taxes and various municipal utility district assessments.
Property insurance premiums are influenced by regional wind and hail risk, with rates trending upward in recent years.
Texas continues to see strong net domestic migration, with Cibolo attracting families from other states and urban centers.
Texas is a non-judicial foreclosure state, allowing for relatively efficient processing of defaults.
Sellers are required to provide a standard Texas Real Estate Commission (TREC) Seller's Disclosure Notice.
Data retrieved from US Census Bureau ZCTA 78108 profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Schlitterbahn Waterpark New Braunfels4.311.9 mi
- Morgan's Wonderland4.89.8 mi
- Round1 Bowling & Arcade - San Antonio4.116.1 mi
- Dave & Buster's Balcones Heights4.219.8 mi
- Airtopia Adventure Park - San Antonio4.514.4 mi
- Alamodome4.318.1 mi
- Frost Bank Center4.515.7 mi
- Henry B. González Convention Center4.618.2 mi
- Historic Market Square4.618.9 mi
- San Antonio Botanical Garden4.715.5 mi
- Natural Bridge Caverns4.710.8 mi
- Natural Bridge Wildlife Ranch4.410.7 mi
- Landa Park4.811.3 mi
- Morgan's Wonderland4.89.8 mi
- Santikos Cibolo4.53.4 mi
- The Alamo4.618.2 mi
- Natural Bridge Caverns4.710.8 mi
- Pearl4.717.2 mi
- Hopscotch San Antonio4.718.3 mi
- The DoSeum4.516.4 mi
- Natural Bridge Caverns4.710.8 mi
- Schlitterbahn Waterpark New Braunfels4.311.9 mi
- Natural Bridge Wildlife Ranch4.410.7 mi
- Landa Park4.811.3 mi
- Morgan's Wonderland4.89.8 mi
- Olympia Hills4.24.5 mi
- The Bandit Golf Club4.311.6 mi
- Northern Hills Golf Club4.210.8 mi
- Randolph Oaks Golf Course4.54.2 mi
- Windcrest Golf Club49.6 mi
- Rolling Oaks Mall4.17.4 mi
- The Forum at Olympia Parkway- Selma, Texas4.55.7 mi
- Eisenhauer Market4.112.3 mi
- T.J. Maxx4.35.4 mi
- Bussey's Flea Market4.33.6 mi
- San Antonio International Airport4.314.6 mi
- Alamo Helicopter Tours4.921.3 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Local park providing green space and walking paths for residents.
Primary retail corridor serving the local community.
Key-figure check: median price corroborated by the published ten-year series (2025) (within 12.5%).