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City · 35,109 residents · Guadalupe County, Texas

Cibolo , Texas

In Cibolo, a typical home is worth $351,900 and typical rent is $2,112 a month. Compared with all of Guadalupe County, typical rent is 39% higher and typical household income is 32% higher.

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  • Typical home value

    $351,900

    16% above the county

    24% above Texas

    • Cibolo
    • Guadalupe
    • Texas

  • Typical rent

    $2,112a month

    39% above the county

    51% above Texas

    • Cibolo
    • Guadalupe
    • Texas

  • Typical household income

    $122,365a year

    32% above the county

    56% above Texas

    • Cibolo
    • Guadalupe
    • Texas

  • Households that own their home

    82%

    4 points above the county

    20 points above Texas

    • Cibolo
    • Guadalupe
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$328,922
1.6% less than 12 months ago
Typical rent
$1,677 a month
2.8% less than 12 months ago

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

Cibolo is in Guadalupe 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 Guadalupe County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Cibolo apart

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

  1. Nearby, in Universal City, the typical rent is $1,315: 38% less than in Cibolo ($2,112).

  2. The typical rent in Cibolo is $2,112 a month, 39% more than in Guadalupe County as a whole ($1,517).

  3. Nearby, in Live Oak, the typical home value is $246,300: 30% less than in Cibolo ($351,900).

  4. The typical household income in Cibolo is $122,365, 32% more than in Guadalupe County as a whole ($92,375).

  5. The typical home in Cibolo is worth $351,900, 16% more than in Guadalupe County as a whole ($304,400).

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

The homes here

Housing in Cibolo

What homes there are in Cibolo, 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 houses, standing on their own, make up 90% of homes here, against 77% in Guadalupe County.

Year built

Here half of the homes date from 2008 or later; in Guadalupe County, from 2003 or later.

Homes in Cibolo are bigger: 92% have 3 bedrooms or more; in Guadalupe County, 81%.

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 loan limit for Guadalupe County is $557,750, and about 93% of owner-occupied homes in Cibolo are worth less than that.

Monthly rent with utilities

With a mortgage

$2,174 a month

Guadalupe County: $1,968 a month

Without a mortgage

$815 a month

Guadalupe County: $632 a month

Owners with a mortgage

76%

Guadalupe County: 61%

In Cibolo, 76% of owners have a mortgage, and their typical cost is $2,174 a month, against $1,968 in Guadalupe County. Without one it drops to $815.

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

The typical home value in Cibolo rose 53% since 2015–2019, about the same as in Guadalupe County (55%).

The typical rent in Cibolo rose 23% over the same time; in Guadalupe County, it rose 33%.

The typical household income in Cibolo rose 17%: less than home values (+53%) and rent (+23%).

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

MeasureCiboloGuadalupe CountyTexasUnited States
Rental vacancy Unreliable estimate4.8%7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimate3.6%4.8%3.4%
People per household 3.202.782.692.53
Drive alone 77%74%71%69%
Carpool 6%10%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 16%14%14%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Households in Cibolo are bigger: 3.20 people on average; in Guadalupe County, 2.78.

To get to work, 77% of workers in Cibolo drive alone; in Guadalupe County, 74%.

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 Cibolo?

A typical home is tight for the typical income

We start with a typical home in Cibolo, worth $351,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 31% of the typical household income in Cibolo, which is $122,365 a year. For that payment to be 28% of income, a household would need to earn about $134,008 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Cibolo. 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 $12,317 (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

$3,127

at 7.18% · 30 years

Loan amount
$345,526
Total interest
$497,130
Paid off in
November 2056

Includes $5,943 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,855 a month

  • Tight

    $2,855 to $3,671 a month

    Your payment · 31%

  • Hard

    more than $3,671 a month

Compared with the typical household income in Cibolo ($122,365 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,127
Principal & interest$2,341
Property tax$484
Home insurance$147
FHA mortgage insurance (MIP)$156

You need at least $12,317 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

Cibolo and Guadalupe County

Cibolo is in Guadalupe 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).

Cibolo's own numbers

Typical home value
$351,900
Typical monthly rent
$2,112
Typical yearly household income
$122,365
Households that own their home
82%
Effective property tax rate
1.65%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Guadalupe 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)
+45%
Homes in a high flood-risk zone
7.1%

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 Guadalupe County.

Everything about Guadalupe County

Buying

Buying a home in Cibolo

A typical home in Cibolo is worth $351,900: 16% above the county and 24% above Texas. With the typical household income in Cibolo ($122,365 a year), a typical home costs 2.9 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.

  • Cibolo 2.9 years
  • Guadalupe 3.3 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Guadalupe County

According to FHFA’s house price index, home prices in Guadalupe County rose 86% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Guadalupe County.

Period County Texas U.S.
Last year (2025) −1.7% +0.8% +2.9%
5 years (2020–2025) +45% +44% +47%
10 years (2015–2025) +86% +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

Cibolo next to Guadalupe 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
  • Cibolo $351,900
  • Guadalupe $304,400
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Cibolo $2,112
  • Guadalupe $1,517
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Cibolo $122,365
  • Guadalupe $92,375
  • Texas $78,476
  • United States $80,734
See the full table
Cibolo next to Guadalupe County and Texas
Measure Cibolo Guadalupe County Texas U.S.
Typical home value $351,900 $304,400 $283,800 $332,700
Typical monthly rent $2,112 $1,517 $1,403 $1,413
Typical yearly household income $122,365 $92,375 $78,476 $80,734
Households that own their home 82% 78% 63% 65%
Typical yearly property tax $5,820 $4,343 $4,232 $3,119
Effective property tax rate 1.65% 1.43% 1.49% 0.94%
Renters with high rent for their income 43% 47% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Guadalupe 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 Cibolo

For a typical $351,900 home in Cibolo, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Cibolo's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,127a month

    Least cash to close
    Down payment
    $12,317
    Cash to close
    $22,874
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $156

  • Conventional, 5% down $3,062a month

    Down payment
    $17,595
    Cash to close
    $28,152
    Rate
    7.18%
    Mortgage insurance
    PMI · $167

  • Conventional, 20% down, no PMI $2,538a month

    Down payment
    $70,380
    Cash to close
    $80,937
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,863a month

    Down payment
    $52,785
    Cash to close
    $63,342
    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 Cibolo and for Guadalupe County.

Property tax

Effective rate in Cibolo

1.65%of the home’s value each year

$5,820 a year for the typical owner in Cibolo.

  • Cibolo 1.65%
  • Guadalupe 1.43%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Guadalupe County

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

Homes in the high-risk zone
7.1%
4,390
Of those, with NFIP insurance
40%
County Texas U.S.
Homes in the high-risk zone 7.1% 4.1% 3.5%
Of those, with NFIP insurance 40% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Cibolo

Typical rent in Cibolo is $2,112 a month: 39% above the county. In Cibolo, 43% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Guadalupe 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 Guadalupe 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 Cibolo

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Cibolo is in ZIP code 78108.

For 2 bedrooms it is $2,160: $719 more than the fair market rent for Guadalupe County ($1,441).

  • 78108 $2,160$2,790

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Cibolo 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 Cibolo

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

  • El Sereno NW of W. Borgfeld Road and Dobie Road, Cibolo 78108 136 homes, 119 low-income
  • Cibolo Plaza 730 Fm 1103, Cibolo 78108 24 low-income homes · 1 bd: 8 · 2 bd: 16 · In service since 1993

See all 13 buildings in Guadalupe County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Cibolo

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 Guadalupe County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Cibolo

No down payment, repair or rent-help program on our list is for Cibolo or Guadalupe County. The ones below are statewide in Texas: they work in Cibolo 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 Cibolo

The HUD-approved agencies closest to the center of Cibolo, 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 · 7 miles away · Spanish

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

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

    100 W Houston St, San Antonio · 19 miles away

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

  • Neighborhood Housing Services of San Antonio

    851 Steves Ave, San Antonio · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (210) 533-6673

All counseling agencies in Texas

Help in Spanish near Cibolo

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 Cibolo

In HUD’s record, no housing authority with an office in Guadalupe County is named for Cibolo or Guadalupe County.

2 other authorities have an office in Guadalupe County: see the list Source: HUD

Cities

Other cities in Guadalupe County

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

Everything about Guadalupe County Housing in Texas

Nearby cities

The cities closest to Cibolo, with the typical home value.

Neighboring counties

If Guadalupe 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 Cibolo.

All guides
Three women of one family lean in together to stir the pan.

Questions

Housing questions about Cibolo

Short answers with the numbers for Cibolo and all of Guadalupe 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 Cibolo?

The typical home value in Cibolo is $351,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Guadalupe County it is $304,400.

How much does it cost to rent in Cibolo?

Typical rent in Cibolo is $2,112 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Guadalupe County is $1,441.

What is the FHA loan limit in Cibolo?

Cibolo uses the FHA limit for all of Guadalupe 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 Cibolo?

The typical homeowner in Cibolo pays $5,820 a year, according to the U.S. Census Bureau. That is 1.65% of the home’s value; in Guadalupe County, the rate is 1.43%.

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

We found no HUD-approved counseling agencies with an office in Guadalupe 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).