In Bulverde, a typical home is worth $420,200 and typical rent is $1,794 a month. Compared with all of Comal County, typical rent is 12% higher, typical household income is 10% higher, and the share of households that own their home is 15 points higher.
Typical home value from Zillow, September 2021 to September 2026: from $444,471 to $477,516.
Typical rent
$2,308a month
Typical rent from Zillow, March 2026 to September 2026: from $2,380 to $2,308.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Bulverde is in Comal County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Comal County. See the county
What this place has that others do not, from public data, most unusual first.
1
Nearby, in Canyon Lake, the typical rent is $1,327: 26% less than in Bulverde ($1,794).
2
92% of households in Bulverde own their home, against 77% in Comal County.
3
Nearby, in Selma, the typical home value is $313,900: 25% less than in Bulverde ($420,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Bulverde
What homes there are in Bulverde, what they cost, how that changed and how people live, from Census figures (2020–2024).
What homes there are
U.S. Census Bureau, ACS 5-year, 2020–2024
Kind of home
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Bulverde
Comal County
Texas
United States
Kind of home: Bulverde and its comparisons
Measure
Bulverde
Comal County
Texas
United States
Detached house
94%
75%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
3%
5%
8%
Apartments (5 or more)
Unreliable estimate
12%
21%
19%
Mobile home
Unreliable estimate
8%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 94% of homes here, against 75% in Comal County.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Bulverde
Comal County
Texas
United States
Year built: Bulverde and its comparisons
Measure
Bulverde
Comal County
Texas
United States
Before 1960
Unreliable estimate
6%
12%
26%
1960–1979
Unreliable estimate
11%
21%
24%
1980–1999
53%
23%
28%
25%
2000–2009
13%
20%
18%
14%
2010 or later
21%
39%
21%
11%
Homes in Bulverde are older: the typical year built is 1996; in Comal County, 2005.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K42%
$500K–$750K25%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Bulverde and its comparisons
Measure
Bulverde
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
42%
$500K–$750K
25%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Bulverde and its comparisons
Measure
Bulverde
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable
With a mortgage
$2,716 a month
Comal County: $2,405 a month
Without a mortgage
$824 a month
Comal County: $751 a month
Owners with a mortgage
51%
Comal County: 61%
In Bulverde, 51% of owners have a mortgage, and their typical cost is $2,716 a month, against $2,405 in Comal County. Without one it drops to $824.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Bulverde+36%
Comal County+51%
Texas+65%
United States+53%
Typical rent
Bulverde+63%
Comal County+40%
Texas+34%
United States+33%
Typical household income
BulverdeNo clear change
Comal County+28%
Texas+27%
United States+29%
Change since 2015–2019: Bulverde and its comparisons
Measure
Bulverde
Comal County
Texas
United States
Typical home value
+36%
+51%
+65%
+53%
Typical rent
+63%
+40%
+34%
+33%
Typical household income
No clear change
+28%
+27%
+29%
Homes in Bulverde gained value more slowly than in Comal County: 36% since 2015–2019, against 51%.
Rents in Bulverde rose faster than in Comal County: 63% since 2015–2019, against 40%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Bulverde and its comparisons
Measure
Bulverde
Comal County
Texas
United States
Rental vacancy
Unreliable estimate
6.6%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.3%
1.1%
0.9%
More than one person per room
Unreliable estimate
2.1%
4.8%
3.4%
People per household
2.61
2.56
2.69
2.53
Drive alone
77%
71%
71%
69%
Carpool
7%
8%
10%
9%
Public transit
0%
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
1%
2%
3%
Work from home
15%
19%
14%
15%
Other means
Unreliable estimate
1%
2%
2%
Typical commute
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
A household in Bulverde has 2.61 people on average, about the same as in Comal County (2.56).
To get to work, 77% of workers in Bulverde drive alone; in Comal County, 71%.
Do the math
What would you pay each month for a home in Bulverde?
A typical home costs more than the typical income allows
We start with a typical home in Bulverde, worth $420,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 38% of the typical household income in Bulverde, which is $112,188 a year. For that payment to be 28% of income, a household would need to earn about $152,964 a year.
The calculator's FHA and conventional loan limits are those of all of Comal County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Bulverde. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $14,707 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$3,569
at 7.18% · 30 years
Loan amount
$412,589
Total interest
$593,619
Paid off in
November 2056
Includes $7,096 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,618 a month
Tight
$2,618 to $3,366 a month
Hard
more than $3,366 a month
Your payment · 38%
Compared with the typical household income in Bulverde ($112,188 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,795
Property tax
$413
Home insurance
$175
FHA mortgage insurance (MIP)
$186
You need at least $14,707 for the down payment, plus closing costs.
This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.
Total monthly payment $3,569; principal and interest $2,795.
The city and its county
Bulverde and Comal County
Bulverde is in Comal County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).
Bulverde
Map of Comal County, Texas, with Bulverde marked. Around it, the neighboring counties.
Bulverde
Comal County
Other cities with a page
Bulverde's own numbers
Typical home value
$420,200
Typical monthly rent
$1,794
Typical yearly household income
$112,188
Households that own their home
92%
Effective property tax rate
1.18%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Comal County
FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,441
Price change over 5 years (FHFA)
+48%
Homes in a high flood-risk zone
2.3%
HUD, FHFA and FEMA don't publish these numbers by city.
Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Comal County.
A typical home in Bulverde is worth $420,200: about the same as the county and 48% above Texas. With the typical household income in Bulverde ($112,188 a year), a typical home costs 3.7 times what the household earns in a year.
Years of income to pay for a typical home
The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.
Bulverde3.7 years
Comal4.2 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Comal County
According to FHFA’s house price index, home prices in Comal County rose 93% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Comal County.
Yearly change in FHFA’s price index in Comal County, 2016 to 2025
2016: +5.2% +5.2% 2016
2017: +6.1% +6.1% 2017
2018: +6.2% +6.2% 2018
2019: +5.8% +5.8% 2019
2020: +4.0% +4.0% 2020
2021: +13.4% +13.4% 2021
2022: +24.4% +24.4% 2022
2023: +2.9% +2.9% 2023
2024: +1.3% +1.3% 2024
2025: +0.6% +0.6% 2025
Change in FHFA’s price index in Comal County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.6%
+0.8%
+2.9%
5 years (2020–2025)
+48%
+44%
+47%
10 years (2015–2025)
+93%
+88%
+85%
The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data
Bulverde next to Comal County, Texas and the U.S.
Three numbers side by side. “Typical” means the median: half are above it and half below.
Typical home value
Bulverde$420,200
Comal$427,200
Texas$283,800
United States$332,700
Typical monthly rent
Bulverde$1,794
Comal$1,603
Texas$1,403
United States$1,413
Typical yearly household income
Bulverde$112,188
Comal$101,889
Texas$78,476
United States$80,734
See the full table
Bulverde next to Comal County and Texas
Measure
Bulverde
Comal County
Texas
U.S.
Typical home value
$420,200
$427,200
$283,800
$332,700
Typical monthly rent
$1,794 ▲12% above the county
$1,603
$1,403
$1,413
Typical yearly household income
$112,188 ▲10% above the county
$101,889
$78,476
$80,734
Households that own their home
92% ▲15 points above the county
77%
63%
65%
Typical yearly property tax
$4,953 ▲2% above the county
$4,833
$4,232
$3,119
Effective property tax rate
1.18% ▲0.05 points above the county
1.13%
1.49%
0.94%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Comal County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.
Four ways to pay for a typical home in Bulverde
For a typical $420,200 home in Bulverde, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bulverde's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,569a month
Least cash to close
Down payment
$14,707
Cash to close
$27,313
Rate
7.18%
Mortgage insurance
FHA MIP · $186
Conventional, 5% down$3,492a month
Down payment
$21,010
Cash to close
$33,616
Rate
7.18%
Mortgage insurance
PMI · $200
Conventional, 20% down, no PMI$2,866a month
Down payment
$84,040
Cash to close
$96,646
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,254a month
Down payment
$63,030
Cash to close
$75,636
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Bulverde
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,569
$14,707
$412,589
7.18%
FHA MIP · $186
$27,313
580
Conventional, 5% down
$3,492
$21,010
$399,190
7.18%
PMI · $200
$33,616
620*
Conventional, 20% down, no PMI
$2,866
$84,040
$336,160
7.18%
None
$96,646
620*
ITIN, 15% down (example)
$3,254
$63,030
$357,170
8.18%
None
$75,636
Set by the lender
The option that asks for the least cash to close is FHA, 3.5% down.
Cash to close = down payment plus 3% of the price in closing costs (example).
Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.
Typical rent in Bulverde is $1,794 a month: 12% above the county.
HUD publishes a fair market rent for all of Comal County, by unit size. To pay the 2-bedroom one ($1,441 a month) without spending more than 30% of your income, you would need to earn $27.71 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Comal County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,099
$21.13
$43,960
1 bedroom
$1,196
$23.00
$47,840
2 bedrooms
$1,441
$27.71
$57,640
3 bedrooms
$1,864
$35.85
$74,560
4 bedrooms
$2,163
$41.60
$86,520
Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027
By ZIP code
Fair market rent by ZIP code in Bulverde
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bulverde has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,410 in 78070 to $1,730 in 78163.
1 of the 2 is above the fair market rent for Comal County ($1,441).
Fair market rent by ZIP code and size in Bulverde, fiscal year 2027.
78070
$1,080
$1,170
$1,410
$1,830
$2,120
78163
$1,320
$1,440
$1,730
$2,240
$2,600
ZIP code2 bd3 bd
78070 $1,410$1,830
78163 $1,730$2,240
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bulverde when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD)Fiscal year 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists one building with rents for lower incomes in Bulverde.
Highlander Senior VillageWest of Johnson Way, North of Fm1863, Bulverde 7816366 homes, 34 low-income · For older adults, people with disabilities, families, people experiencing homelessness
You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.
We found no HUD-approved agencies with an office in Comal County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Bulverde or Comal County. The ones below are statewide in Texas: they work in Bulverde the same as in the rest of the state.
Texas state program for first-time buyers: a 30-year mortgage with down payment assistance.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state program with down payment assistance for any buyer, not only first-time buyers.Offered by Texas Department of Housing and Community Affairs (TDHCA).
Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return.Offered by Texas Department of Housing and Community Affairs (TDHCA).
No legal help resource on our list is for Bulverde or Comal County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Bulverde and all of Comal County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.
How much does a typical home cost in Bulverde?
The typical home value in Bulverde is $420,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Comal County it is $427,200.
How much does it cost to rent in Bulverde?
Typical rent in Bulverde is $1,794 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Comal County is $1,441.
What is the FHA loan limit in Bulverde?
Bulverde uses the FHA limit for all of Comal County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.
How much property tax do owners pay in Bulverde?
The typical homeowner in Bulverde pays $4,953 a year, according to the U.S. Census Bureau. That is 1.18% of the home’s value; in Comal County, the rate is 1.13%.
Where can I find free help to buy or rent in Bulverde?
We found no HUD-approved counseling agencies with an office in Comal County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
