Five ZIP Codes Across San Antonio, Schertz and Cibolo Are Moving in Different Directions

Realtor.com reported that 20.8% of listings nationwide had a price cut in September. That is a real signal. But it is a national headline, and national headlines can hide what is actually happening on your street.

I'm Scott C. Peck, Broker Associate and Business Development Director with JBGoodwin REALTORS. Here is what the local data shows for five ZIP codes across San Antonio, Schertz and Cibolo.

What does the broad market picture look like?

In the three months ending August 31, 2026, the Real Estate Data Aggregator counted 724 homes sold across the five ZIP codes in this market. That is up 1.5% from the same period a year ago.

The broad picture looks steady. Look closer and the story splits in two.

Are the Alamo Heights area and central San Antonio the same market?

No. The Real Estate Data Aggregator shows the median sale price in ZIP 78209, the Alamo Heights area, reached $562,500 in the three months ending August 31, 2026. That is up 14.8% from the same period in 2025. Sales volume rose too, with 147 homes sold, up 4.3% year over year.

ZIP 78212, a few miles south in central San Antonio, tells a different story. The median sale price there was $343,000, down 13.2% from a year ago. Homes sold fell 12.9% to 61 closings. Fewer sellers listed too, with new listings down 10%.

Source: Real Estate Data Aggregator, three months ending August 31, 2026.

One thing both ZIP codes share: homes are selling faster than a year ago. ZIP 78209 came in at 57 days on market, five days shorter than last year. ZIP 78212 dropped 23 days to 65. That is a meaningful improvement for sellers in central San Antonio, even if the price trend has been tough.

How are Schertz and Cibolo holding up?

ZIP 78154 in Schertz and ZIP 78108 in Cibolo are the volume engines of this market. Together they accounted for a large share of the 724 total sales. The Real Estate Data Aggregator counted 194 homes sold in Schertz and 241 in Cibolo in the three months ending August 31, 2026.

Schertz is worth a closer look. The median price dipped 4% to $352,490, but more homes sold and months of supply tightened. Buyers are active, and sellers who price right are finding them.

Cibolo has one number that stands out: 90 days on market, up 22 days from last year. Prices nudged up 3% and supply tightened, so this is not a market in trouble. But homes are sitting longer before they close. Pricing and presentation matter more than they did a year ago.

What is happening in northwest San Antonio (78230)?

The Real Estate Data Aggregator shows ZIP 78230 in northwest San Antonio had a median sale price of $374,000, down 8.3% from a year ago. Homes sold fell 18.2% to 81. Days on market climbed 22 days to 61.

But there is another side. In 78230, 31.7% of homes went under contract within two weeks of listing. That is the highest quick contract rate of any ZIP code in this market.

Homes that are priced well are moving fast. The ones that are not are sitting and pulling the median down.

How do mortgage rates affect all of this?

Rates are not helping. CNBC reported the average 30 year fixed rate at 7.50% as of October 14, 2026. It eased slightly to 7.41% by October 21, also per CNBC. Realtor.com noted that rates climbed above 7% for the first time since January 2025.

CNBC also reported that mortgage purchase applications fell 7% for the week ending October 17. That kind of rate environment slows buyers down. It does not stop them, but it changes how they think about price.

One sign buyers are adapting: CNBC reported the adjustable rate mortgage share of demand hit 10.5%, the highest level since October 2025. Some buyers are finding ways to make the math work.

Which ZIP codes go under contract fastest?

This table lists each ZIP code from the highest to the lowest share of homes sold within two weeks of listing.

Source: Real Estate Data Aggregator, three months ending August 31, 2026.

Where is supply tightest?

This table lists each ZIP code from the tightest supply to the loosest, measured in months of inventory.

Source: Real Estate Data Aggregator, three months ending August 31, 2026.

Does one selling strategy fit every ZIP code?

It does not. Schertz has the tightest supply, Cibolo has the longest days on market, and northwest San Antonio has the fastest moving well priced homes. Each ZIP code calls for its own strategy driven approach.

Even within a single ZIP code, one street can read very differently from the numbers above. A block with a lot of new listings, a recent sale at a surprising price, or a neighborhood association that draws a specific kind of buyer can all shift what your home is worth.

The ZIP code tells you the direction. Your address tells you the number.

Frequently Asked Questions

How many homes sold across these five ZIP codes?

The Real Estate Data Aggregator counted 724 homes sold in the three months ending August 31, 2026. That is up 1.5% from the same period a year ago.

Are home prices rising or falling in this market?

It depends on the ZIP code. The median sale price in 78209 is up 14.8% from a year ago, while 78212 is down 13.2%. Schertz dipped 4%, Cibolo nudged up 3%, and 78230 is down 8.3%.

Which area has the longest days on market?

Cibolo, ZIP 78108, at 90 days, which is up 22 days from last year.

Which ZIP code has the fastest moving homes?

Northwest San Antonio, ZIP 78230. In that ZIP code, 31.7% of homes went under contract within two weeks of listing, the highest share in this market.

What are mortgage rates doing right now?

CNBC reported the average 30 year fixed rate at 7.50% as of October 14, 2026, easing to 7.41% by October 21. Higher rates slow buyers down but do not stop them.

Figures come from MLS records and are believed accurate but not guaranteed.

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