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City · 33,883 residents · Comal County, Texas

Canyon Lake , Texas

In Canyon Lake, a typical home is worth $389,300 and typical rent is $1,327 a month. Compared with all of Comal County, typical rent is 17% lower, the typical home value is 9% lower, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $389,300

    9% below the county

    37% above Texas

    • Canyon Lake
    • Comal
    • Texas

  • Typical rent

    $1,327a month

    17% below the county

    5% below Texas

    • Canyon Lake
    • Comal
    • Texas

  • Typical household income

    $97,301a year

    5% below the county

    24% above Texas

    • Canyon Lake
    • Comal
    • Texas

  • Households that own their home

    87%

    10 points above the county

    24 points above Texas

    • Canyon Lake
    • Comal
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$391,808
1.8% less than 12 months ago
Typical rent
$1,770 a month
1.6% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Canyon Lake 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Canyon Lake apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in San Marcos, the typical home value is $310,400: 20% less than in Canyon Lake ($389,300).

  2. The typical rent in Canyon Lake is $1,327 a month, 17% less than in Comal County as a whole ($1,603).

  3. 87% of households in Canyon Lake own their home, against 77% in Comal County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Canyon Lake

What homes there are in Canyon Lake, 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

In Canyon Lake, 8 in 10 homes are single-family detached houses; in Comal County, 7.

There are more mobile homes here than in Comal County: 15% of homes, against 8%.

Year built

Homes in Canyon Lake are older: the typical year built is 2001; in Comal County, 2005.

Much as in Comal County, 74% of homes in Canyon Lake have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

The FHA limit for Comal County is $557,750: about 66% of owner-occupied homes in Canyon Lake are worth less, and the rest more.

Monthly rent with utilities

With a mortgage

$2,124 a month

Comal County: $2,405 a month

Without a mortgage

$606 a month

Comal County: $751 a month

Owners with a mortgage

56%

Comal County: 61%

In Canyon Lake, 56% of owners have a mortgage, and their typical cost is $2,124 a month, against $2,405 in Comal County. Without one it drops to $606.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Canyon Lake rose 57%; in Comal County, it rose 51%.

Since 2015–2019, the typical rent in Canyon Lake rose 25%, less than in Comal County (40%).

To compare: typical income in Canyon Lake rose 31%; the home, +57%; the rent, +25%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureCanyon LakeComal CountyTexasUnited States
Rental vacancy Unreliable estimate6.6%7.7%5.5%
Homeowner vacancy Unreliable estimate1.3%1.1%0.9%
More than one person per room 3.2%2.1%4.8%3.4%
People per household 2.492.562.692.53
Drive alone 67%71%71%69%
Carpool 5%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 1%1%2%3%
Work from home 24%19%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Canyon Lake, 3.2% of households live with more than one person per room, against 2.1% in Comal County.

By size, households in Canyon Lake look like those in Comal County: 2.49 people on average.

In Canyon Lake, 24% of workers work from home, more than in Comal County (19%).

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Canyon Lake?

A typical home costs more than the typical income allows

We start with a typical home in Canyon Lake, worth $389,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Canyon Lake, which is $97,301 a year. For that payment to be 28% of income, a household would need to earn about $137,961 a year.

The calculator's FHA and conventional loan limits are those of all of Comal County.

Your numbers

Local data
$

Starts at the typical home value in Canyon Lake. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $13,626 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,219

at 7.18% · 30 years

Loan amount
$382,248
Total interest
$549,966
Paid off in
November 2056

Includes $6,574 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,270 a month

  • Tight

    $2,270 to $2,919 a month

  • Hard

    more than $2,919 a month

    Your payment · 40%

Compared with the typical household income in Canyon Lake ($97,301 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,219
Principal & interest$2,589
Property tax$295
Home insurance$162
FHA mortgage insurance (MIP)$172

You need at least $13,626 for the down payment, plus closing costs.

Next step

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.

The city and its county

Canyon Lake and Comal County

Canyon Lake 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).

Canyon Lake's own numbers

Typical home value
$389,300
Typical monthly rent
$1,327
Typical yearly household income
$97,301
Households that own their home
87%
Effective property tax rate
0.91%

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.

Everything about Comal County

Buying

Buying a home in Canyon Lake

A typical home in Canyon Lake is worth $389,300: 9% below the county and 37% above Texas. With the typical household income in Canyon Lake ($97,301 a year), a typical home costs 4.0 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.

  • Canyon Lake 4.0 years
  • Comal 4.2 years
  • Texas 3.6 years
  • United States 4.1 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.

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

Canyon Lake 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
  • Canyon Lake $389,300
  • Comal $427,200
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Canyon Lake $1,327
  • Comal $1,603
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Canyon Lake $97,301
  • Comal $101,889
  • Texas $78,476
  • United States $80,734
See the full table
Canyon Lake next to Comal County and Texas
Measure Canyon Lake Comal County Texas U.S.
Typical home value $389,300 $427,200 $283,800 $332,700
Typical monthly rent $1,327 $1,603 $1,403 $1,413
Typical yearly household income $97,301 $101,889 $78,476 $80,734
Households that own their home 87% 77% 63% 65%
Typical yearly property tax $3,544 $4,833 $4,232 $3,119
Effective property tax rate 0.91% 1.13% 1.49% 0.94%
Renters with high rent for their income 62% 53% 52% 51%

“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 Canyon Lake

For a typical $389,300 home in Canyon Lake, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Canyon Lake's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,219a month

    Least cash to close
    Down payment
    $13,626
    Cash to close
    $25,305
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $172

  • Conventional, 5% down $3,148a month

    Down payment
    $19,465
    Cash to close
    $31,144
    Rate
    7.18%
    Mortgage insurance
    PMI · $185

  • Conventional, 20% down, no PMI $2,567a month

    Down payment
    $77,860
    Cash to close
    $89,539
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,927a month

    Down payment
    $58,395
    Cash to close
    $70,074
    Rate
    8.18%
    Mortgage insurance
    None

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.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Canyon Lake and for Comal County.

Property tax

Effective rate in Canyon Lake

0.91%of the home’s value each year

$3,544 a year for the typical owner in Canyon Lake.

  • Canyon Lake 0.91%
  • Comal 1.13%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Comal County

FEMA does not publish these numbers by city: they are for all of Comal County.

Homes in the high-risk zone
2.3%
1,408
Of those, with NFIP insurance
46%
County Texas U.S.
Homes in the high-risk zone 2.3% 4.1% 3.5%
Of those, with NFIP insurance 46% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Canyon Lake

Typical rent in Canyon Lake is $1,327 a month: 17% below the county. In Canyon Lake, 62% of renter households pay 30% or more of their income in rent.

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.

HUD fair market rent for all of Comal County

What you need to earn to pay it without spending more than 30% of income, working full time.

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 Canyon Lake

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Canyon Lake has 3 ZIP codes with their own.

For 2 bedrooms it runs from $1,400 in 78133 to $1,720 in 78132.

1 of the 3 is above the fair market rent for Comal County ($1,441).

  • 78070 $1,410$1,830
  • 78132 $1,720$2,230
  • 78133 $1,400$1,810

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Canyon Lake 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 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Canyon Lake

HUD lists 2 buildings with rents for lower incomes in Canyon Lake. These are the largest.

  • The Residences at Overlook Ridge S Side of FM 306, E of Maricopa DR., Canyon Lake 78133 30 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • The Residences at Canyon Lake 1500 Island Vw, Canyon Lake 78133 35 homes, 29 low-income · For older adults, people with disabilities, families, people experiencing homelessness (830) 899-5000

See all 12 buildings in Comal County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Canyon Lake

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.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Canyon Lake

No down payment, repair or rent-help program on our list is for Canyon Lake or Comal County. The ones below are statewide in Texas: they work in Canyon Lake the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    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).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    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).

    Tax credit

    See the program Official page

Housing counselors near Canyon Lake

The HUD-approved agencies closest to the center of Canyon Lake, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Greenpath Financial Wellness

    12415 Old Converse Rd, Live Oak · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (210) 979-4300

  • NSC (naca Counseling Subsidiary) - San Antonio, TX

    1603 Babcock Rd Suite 200, San Antonio · 32 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (210) 826-2828

  • City of San Antonio/Dept of Neighborhood and Housing Services (DNHS)

    100 W Houston St, San Antonio · 34 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (210) 207-5309

All counseling agencies in Texas

Help in Spanish near Canyon Lake

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Canyon Lake

In HUD’s record, no housing authority with an office in Comal County is named for Canyon Lake or Comal County.

One other authority has an office in Comal County: see the list Source: HUD

Cities

Other cities in Comal County

These cities are also in Comal County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Comal County Housing in Texas

Nearby cities

The cities closest to Canyon Lake, with the typical home value.

Neighboring counties

If Comal County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Canyon Lake.

All guides
A father and mother walk their son by the hand down the sidewalk.

Questions

Housing questions about Canyon Lake

Short answers with the numbers for Canyon Lake 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 Canyon Lake?

The typical home value in Canyon Lake is $389,300, 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 Canyon Lake?

Typical rent in Canyon Lake is $1,327 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 Canyon Lake?

Canyon Lake 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 Canyon Lake?

The typical homeowner in Canyon Lake pays $3,544 a year, according to the U.S. Census Bureau. That is 0.91% of the home’s value; in Comal County, the rate is 1.13%.

Where can I find free help to buy or rent in Canyon Lake?

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.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).