Español

Este sitio también está en español. Leer en español

City · 10,728 residents · Comal County, Texas

Fair Oaks Ranch , Texas

In Fair Oaks Ranch, a typical home is worth $657,600 and typical rent is $2,108 a month. Compared with all of Comal County, typical household income is 71% higher, the typical home value is 54% higher, and the share of households that own their home is 21 points higher.

WhatsApp

  • Typical home value

    $657,600

    54% above the county

    132% above Texas

    • Fair Oaks Ranch
    • Comal
    • Texas

  • Typical rent

    $2,108a month

    32% above the county

    50% above Texas

    • Fair Oaks Ranch
    • Comal
    • Texas

  • Typical household income

    $174,327a year

    71% above the county

    122% above Texas

    • Fair Oaks Ranch
    • Comal
    • Texas

  • Households that own their home

    97%

    21 points above the county

    35 points above Texas

    • Fair Oaks Ranch
    • Comal
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$701,222
1.2% more than 12 months ago

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

Fair Oaks Ranch 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 Fair Oaks Ranch apart

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

  1. Fair Oaks Ranch has the 4th highest homeownership rate of the 426 cities in Texas with more than 5,000 people (97%).

  2. The typical household income in Fair Oaks Ranch is $174,327, 71% more than in Comal County as a whole ($101,889).

  3. The typical home in Fair Oaks Ranch is worth $657,600, 54% more than in Comal County as a whole ($427,200).

  4. Nearby, in Helotes, the typical home value is $399,000: 39% less than in Fair Oaks Ranch ($657,600).

  5. The typical rent in Fair Oaks Ranch is $2,108 a month, 32% more than in Comal County as a whole ($1,603).

  6. Nearby, in Boerne, the typical rent is $1,589: 25% less than in Fair Oaks Ranch ($2,108).

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

The homes here

Housing in Fair Oaks Ranch

What homes there are in Fair Oaks Ranch, 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 97% of homes here, against 75% in Comal County.

Year built

By age, homes in Fair Oaks Ranch look like those in Comal County: the typical year built is 2002.

Homes in Fair Oaks Ranch are bigger: 96% have 3 bedrooms or more; in Comal County, 74%.

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
Monthly rent with utilities

With a mortgage

$3,443 a month

Comal County: $2,405 a month

Without a mortgage

$1,193 a month

Comal County: $751 a month

Owners with a mortgage

66%

Comal County: 61%

The typical cost for an owner with a mortgage in Fair Oaks Ranch is $3,443 a month, more than in Comal County ($2,405); without one, $1,193.

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 Fair Oaks Ranch rose 44% since 2015–2019, less than in Comal County (51%).

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

MeasureFair Oaks RanchComal 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 Unreliable estimate2.1%4.8%3.4%
People per household 2.882.562.692.53
Drive alone 58%71%71%69%
Carpool Unreliable estimate8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate1%2%3%
Work from home 34%19%14%15%
Other means Unreliable estimate1%2%2%
Typical commute 30 to 39 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Fair Oaks Ranch has 2.88 people, more than in Comal County (2.56).

Working from home is more common in Fair Oaks Ranch: 34%, against 19% in Comal County.

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 Fair Oaks Ranch?

A typical home costs more than the typical income allows

We start with a typical home in Fair Oaks Ranch, worth $657,600, 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 Fair Oaks Ranch, which is $174,327 a year. For that payment to be 28% of income, a household would need to earn about $247,369 a year. Note: at that price the loan is above the FHA limit for Comal County ($557,750), so FHA would not insure it; the payment is only a reference.

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 Fair Oaks Ranch. 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 $23,016 (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

$5,772

at 7.18% · 30 years

Loan amount
$645,689
Total interest
$928,995
Paid off in
November 2056

Includes $11,105 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,068 a month

  • Tight

    $4,068 to $5,230 a month

  • Hard

    more than $5,230 a month

    Your payment · 40%

Compared with the typical household income in Fair Oaks Ranch ($174,327 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,772
Principal & interest$4,374
Property tax$833
Home insurance$274
FHA mortgage insurance (MIP)$291

This loan is over the FHA limit

You'd borrow $634,584, but the FHA limit for a one-unit home in Fair Oaks Ranch is $557,750. You'd need a bigger down payment or a different loan.

You need at least $23,016 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

Fair Oaks Ranch and Comal County

Fair Oaks Ranch 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).

Fair Oaks Ranch's own numbers

Typical home value
$657,600
Typical monthly rent
$2,108
Typical yearly household income
$174,327
Households that own their home
97%
Effective property tax rate
1.52%

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 Fair Oaks Ranch

A typical home in Fair Oaks Ranch is worth $657,600: 54% above the county and 132% above Texas. With the typical household income in Fair Oaks Ranch ($174,327 a year), a typical home costs 3.8 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.

  • Fair Oaks Ranch 3.8 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

Fair Oaks Ranch 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
  • Fair Oaks Ranch $657,600
  • Comal $427,200
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Fair Oaks Ranch $2,108
  • Comal $1,603
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Fair Oaks Ranch $174,327
  • Comal $101,889
  • Texas $78,476
  • United States $80,734
See the full table
Fair Oaks Ranch next to Comal County and Texas
Measure Fair Oaks Ranch Comal County Texas U.S.
Typical home value $657,600 $427,200 $283,800 $332,700
Typical monthly rent $2,108 $1,603 $1,403 $1,413
Typical yearly household income $174,327 $101,889 $78,476 $80,734
Households that own their home 97% 77% 63% 65%
Typical yearly property tax $10,001 $4,833 $4,232 $3,119
Effective property tax rate 1.52% 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 Fair Oaks Ranch

For a typical $657,600 home in Fair Oaks Ranch, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Fair Oaks Ranch's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,772a month

    Above the FHA limit for Comal County ($557,750)
    Down payment
    $23,016
    Cash to close
    $42,744
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $291

  • Conventional, 5% down $5,651a month

    Least cash to close
    Down payment
    $32,880
    Cash to close
    $52,608
    Rate
    7.18%
    Mortgage insurance
    PMI · $312

  • Conventional, 20% down, no PMI $4,671a month

    Down payment
    $131,520
    Cash to close
    $151,248
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $5,279a month

    Down payment
    $98,640
    Cash to close
    $118,368
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is Conventional, 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 Fair Oaks Ranch and for Comal County.

Property tax

Effective rate in Fair Oaks Ranch

1.52%of the home’s value each year

$10,001 a year for the typical owner in Fair Oaks Ranch.

  • Fair Oaks Ranch 1.52%
  • 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 Fair Oaks Ranch

Typical rent in Fair Oaks Ranch is $2,108 a month: 32% 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.

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 Fair Oaks Ranch

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Fair Oaks Ranch is in ZIP code 78015.

For 2 bedrooms it is $1,730: $289 more than the fair market rent for Comal County ($1,441).

  • 78015 $1,730$2,330

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

Free help

Help to buy or rent in Fair Oaks Ranch

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 Fair Oaks Ranch

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

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

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

    1603 Babcock Rd Suite 200, San Antonio · 18 miles away · Spanish

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

  • Our Casas Resident Council, Inc.

    2300 W Commerce St Ste 218, San Antonio · 23 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (210) 354-2400

  • 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

All counseling agencies in Texas

Help in Spanish near Fair Oaks Ranch

3 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 Fair Oaks Ranch

In HUD’s record, no housing authority with an office in Comal County is named for Fair Oaks Ranch 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 Fair Oaks Ranch, 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 Fair Oaks Ranch.

All guides
A couple spread mulch under the avocado trees of their family orchard, he on the tractor and she with a shovel.

Questions

Housing questions about Fair Oaks Ranch

Short answers with the numbers for Fair Oaks Ranch 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 Fair Oaks Ranch?

The typical home value in Fair Oaks Ranch is $657,600, 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 Fair Oaks Ranch?

Typical rent in Fair Oaks Ranch is $2,108 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 Fair Oaks Ranch?

Fair Oaks Ranch 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 Fair Oaks Ranch?

The typical homeowner in Fair Oaks Ranch pays $10,001 a year, according to the U.S. Census Bureau. That is 1.52% of the home’s value; in Comal County, the rate is 1.13%.

Where can I find free help to buy or rent in Fair Oaks Ranch?

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).