Cost of Living in Schertz
Schertz runs modestly below the national average on overall cost of living -- BestPlaces.net puts the Schertz (78154) index at 97.4, meaning day-to-day costs run about 2.6% below the U.S. average -- a smaller affordability gap than San Antonio's citywide 91.3 index, reflecting Schertz's position as a comparatively higher-income suburb rather than the metro's low-cost core. As in San Antonio, healthcare is the clear exception, running well above the national average even as most other categories run at or below it.
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Learn moreThe Overall Index
BestPlaces.net's cost-of-living index for the Schertz 78154 ZIP code (retrieved August 2026) scores 97.4 against a national baseline of 100 -- about 2.6% below the U.S. average. That is a notably smaller discount than San Antonio's citywide 91.3 figure, consistent with Schertz's higher median household income relative to the metro overall (see the taxes and jobs-economy topic pages).
Category Breakdown
The same BestPlaces data breaks out sub-indices (100 = national average): Housing 97, Groceries 98, Services 99, Transportation 102, and Utilities 104 -- all clustered close to the national average rather than sharply above or below it, a genuinely different pattern from San Antonio, where housing and utilities both run more clearly below average. Healthcare is the outlier: the Health index runs 128, meaning healthcare costs in Schertz are cited around 28% above the national average, a larger gap than San Antonio's own already-elevated healthcare-cost figure (18.1%-27% above average per the San Antonio cost-of-living topic page).
Housing: A Real Source Disagreement
Schertz's citywide median sale price is $349,791 as of May 2026 per Redfin (see the housing-market topic page), but a separate 2026 neighborhood-guide source (LRG Realty) cites a lower $315,000 figure with a wide internal range -- mid-$200Ks in established sections up to $500K+ in newer, higher-end areas like Northcliff. Treat the Redfin figure as the primary citywide number and the LRG figure as directionally consistent but not identical; the spread is a real methodology difference (all-sales median vs. a curated market-guide estimate), not an error in either source.
Taxes
Texas has no state personal income tax, the same structural advantage that applies statewide. It does not offset property taxes, which run high in Schertz as elsewhere in Texas (a representative 1.69% effective rate for the Guadalupe County portion of the city -- see the taxes topic page); a renter and a homeowner experience Schertz's tax picture very differently.
Key takeaways
- Schertz's overall cost of living runs about 2.6% below the U.S. average (BestPlaces.net index for ZIP 78154: 97.4) -- a smaller affordability gap than San Antonio's citywide 91.3 index.
- Most cost categories (housing, groceries, services, transportation, utilities) cluster close to the national average rather than sharply below it.
- Healthcare is the clear exception: the BestPlaces Health index runs 128 (about 28% above the national average), a larger gap than San Antonio's own elevated healthcare-cost figure.
- Housing price sources disagree modestly: Redfin cites a $349,791 citywide median (May 2026); a separate neighborhood-guide source cites $315,000 with a mid-$200Ks-to-$500K+ range -- both are cited here rather than picking one.
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