Español

Este sitio también está en español. Leer en español

City · 9,630 residents · Bexar County, Texas

Helotes , Texas

In Helotes, a typical home is worth $399,000 and typical rent is $2,500 a month. Compared with all of Bexar County, typical rent is 85% higher, typical household income is 83% higher, and the share of households that own their home is 38 points higher.

WhatsApp

  • Typical home value

    $399,000

    52% above the county

    41% above Texas

    • Helotes
    • Bexar
    • Texas

  • Typical rent

    $2,500a month

    85% above the county

    78% above Texas

    • Helotes
    • Bexar
    • Texas

  • Typical household income

    $132,675a year

    83% above the county

    69% above Texas

    • Helotes
    • Bexar
    • Texas

  • Households that own their home

    97%

    38 points above the county

    34 points above Texas

    • Helotes
    • Bexar
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$463,935
about the same as 12 months ago

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

Helotes is in Bexar 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 Bexar County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Helotes apart

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

  1. 97% of households in Helotes own their home, against 59% in Bexar County.

  2. The typical rent in Helotes is $2,500 a month, 85% more than in Bexar County as a whole ($1,354).

  3. The typical household income in Helotes is $132,675, 83% more than in Bexar County as a whole ($72,341).

  4. Nearby, in Leon Valley, the typical rent is $1,187: 53% less than in Helotes ($2,500).

  5. The typical home in Helotes is worth $399,000, 52% more than in Bexar County as a whole ($262,200).

  6. Nearby, in San Antonio, the typical home value is $235,700: 41% less than in Helotes ($399,000).

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

The homes here

Housing in Helotes

What homes there are in Helotes, 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 98% of homes here, against 64% in Bexar County.

Year built

The typical home in Helotes was built in 2006, 16 years after the typical one in Bexar County.

In Helotes, 99% of homes have 3 bedrooms or more, more than in Bexar County (61%).

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

$2,498 a month

Bexar County: $1,923 a month

Without a mortgage

$991 a month

Bexar County: $651 a month

Owners with a mortgage

65%

Bexar County: 60%

The typical cost for an owner with a mortgage in Helotes is $2,498 a month, more than in Bexar County ($1,923); without one, $991.

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 Helotes rose 26% since 2015–2019, less than in Bexar County (62%).

The typical rent in Helotes stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureHelotesBexar CountyTexasUnited States
Rental vacancy Unreliable estimate8.8%7.7%5.5%
Homeowner vacancy Unreliable estimate1.2%1.1%0.9%
More than one person per room Unreliable estimate4.7%4.8%3.4%
People per household 3.262.702.692.53
Drive alone 63%68%71%69%
Carpool 12%12%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 21%15%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 3.26 on average, against 2.70 in Bexar County.

Working from home is more common in Helotes: 21%, against 15% in Bexar 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 Helotes?

A typical home is tight for the typical income

We start with a typical home in Helotes, worth $399,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 33% of the typical household income in Helotes, which is $132,675 a year. For that payment to be 28% of income, a household would need to earn about $154,651 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Helotes. 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 $13,965 (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

$3,609

at 7.18% · 30 years

Loan amount
$391,773
Total interest
$563,670
Paid off in
November 2056

Includes $6,738 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $3,096 a month

  • Tight

    $3,096 to $3,980 a month

    Your payment · 33%

  • Hard

    more than $3,980 a month

Compared with the typical household income in Helotes ($132,675 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,609
Principal & interest$2,654
Property tax$612
Home insurance$166
FHA mortgage insurance (MIP)$176

You need at least $13,965 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

Helotes and Bexar County

Helotes is in Bexar 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).

Helotes's own numbers

Typical home value
$399,000
Typical monthly rent
$2,500
Typical yearly household income
$132,675
Households that own their home
97%
Effective property tax rate
1.84%

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

Numbers for all of Bexar 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)
+37%
Homes in a high flood-risk zone
1.1%

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 Bexar County.

Everything about Bexar County

Buying

Buying a home in Helotes

A typical home in Helotes is worth $399,000: 52% above the county and 41% above Texas. With the typical household income in Helotes ($132,675 a year), a typical home costs 3.0 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.

  • Helotes 3.0 years
  • Bexar 3.6 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Bexar County

According to FHFA’s house price index, home prices in Bexar County rose 82% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) +0.5% +0.8% +2.9%
5 years (2020–2025) +37% +44% +47%
10 years (2015–2025) +82% +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

Helotes next to Bexar 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
  • Helotes $399,000
  • Bexar $262,200
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Helotes $2,500
  • Bexar $1,354
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Helotes $132,675
  • Bexar $72,341
  • Texas $78,476
  • United States $80,734
See the full table
Helotes next to Bexar County and Texas
Measure Helotes Bexar County Texas U.S.
Typical home value $399,000 $262,200 $283,800 $332,700
Typical monthly rent $2,500 $1,354 $1,403 $1,413
Typical yearly household income $132,675 $72,341 $78,476 $80,734
Households that own their home 97% 59% 63% 65%
Typical yearly property tax $7,356 $4,535 $4,232 $3,119
Effective property tax rate 1.84% 1.73% 1.49% 0.94%

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

For a typical $399,000 home in Helotes, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Helotes's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,609a month

    Least cash to close
    Down payment
    $13,965
    Cash to close
    $25,935
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $176

  • Conventional, 5% down $3,535a month

    Down payment
    $19,950
    Cash to close
    $31,920
    Rate
    7.18%
    Mortgage insurance
    PMI · $190

  • Conventional, 20% down, no PMI $2,940a month

    Down payment
    $79,800
    Cash to close
    $91,770
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,309a month

    Down payment
    $59,850
    Cash to close
    $71,820
    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 Helotes and for Bexar County.

Property tax

Effective rate in Helotes

1.84%of the home’s value each year

$7,356 a year for the typical owner in Helotes.

  • Helotes 1.84%
  • Bexar 1.73%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Bexar County

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

Homes in the high-risk zone
1.1%
6,137
Of those, with NFIP insurance
28%
County Texas U.S.
Homes in the high-risk zone 1.1% 4.1% 3.5%
Of those, with NFIP insurance 28% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Helotes

Typical rent in Helotes is $2,500 a month: 85% above the county.

HUD publishes a fair market rent for all of Bexar 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 Bexar 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 Helotes

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Helotes is in ZIP code 78023.

For 2 bedrooms it is $1,770: $329 more than the fair market rent for Bexar County ($1,441).

  • 78023 $1,770$2,290

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

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.

There are 5 HUD-approved agencies with an office in Bexar County; 4 say they serve in Spanish.

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Helotes

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

The HUD-approved agencies closest to the center of Helotes, 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 · 9 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 · 14 miles away · Spanish

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

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

    100 W Houston St, San Antonio · 15 miles away

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

Every agency in Bexar County All counseling agencies in Texas

Help in Spanish near Helotes

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 Helotes

HUD’s record names them for Helotes or Bexar County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Bexar County Housing Authority Public housing and Section 8 vouchers (210) 225-0071

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

Cities

Other cities in Bexar County

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

Everything about Bexar County Housing in Texas
See 2 more cities in Bexar County, with prices and rents

Every city has its own page with prices, rents and help.

Nearby cities

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

Neighboring counties

If Bexar 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 Helotes.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Helotes

Short answers with the numbers for Helotes and all of Bexar 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 Helotes?

The typical home value in Helotes is $399,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bexar County it is $262,200.

How much does it cost to rent in Helotes?

Typical rent in Helotes is $2,500 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Bexar County is $1,441.

What is the FHA loan limit in Helotes?

Helotes uses the FHA limit for all of Bexar 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 Helotes?

The typical homeowner in Helotes pays $7,356 a year, according to the U.S. Census Bureau. That is 1.84% of the home’s value; in Bexar County, the rate is 1.73%.

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

There are 5 HUD-approved counseling agencies with an office in Bexar County. 4 say they serve in Spanish. 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).