In Sandy Oaks, a typical home is worth $120,300 and typical rent is $1,309 a month. Compared with all of Bexar County, the typical home value is 54% lower, typical household income is 30% lower, and the share of households that own their home is 37 points higher.
Sandy Oaks 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
What this place has that others do not, from public data, most unusual first.
1
96% of households in Sandy Oaks own their home, against 59% in Bexar County.
2
The typical home in Sandy Oaks is worth $120,300,54% less than in Bexar County as a whole ($262,200).
3
The typical household income in Sandy Oaks is $50,806,30% less than in Bexar County as a whole ($72,341).
4
Nearby, in Floresville, the typical rent is $1,076: 18% less than in Sandy Oaks ($1,309).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Sandy Oaks
What homes there are in Sandy Oaks, 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
Sandy Oaks
Bexar County
Texas
United States
Kind of home: Sandy Oaks and its comparisons
Measure
Sandy Oaks
Bexar County
Texas
United States
Detached house
25%
64%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
Unreliable estimate
6%
5%
8%
Apartments (5 or more)
Unreliable estimate
25%
21%
19%
Mobile home
73%
3%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
Homes here are varied: mobile homes are 73% of them, more than in Bexar County (3%), and no kind reaches half.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Sandy Oaks
Bexar County
Texas
United States
Year built: Sandy Oaks and its comparisons
Measure
Sandy Oaks
Bexar County
Texas
United States
Before 1960
Unreliable estimate
16%
12%
26%
1960–1979
Unreliable estimate
21%
21%
24%
1980–1999
51%
25%
28%
25%
2000–2009
19%
17%
18%
14%
2010 or later
24%
21%
21%
11%
The typical home in Sandy Oaks was built in 1998, 8 years after the typical one in Bexar County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K27%
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Sandy Oaks and its comparisons
Measure
Sandy Oaks
Under $100K
27%
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
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: Sandy Oaks and its comparisons
Measure
Sandy Oaks
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,348 a month
Bexar County: $1,923 a month
Owners with a mortgage
27%
Bexar County: 60%
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Sandy Oaks+50%
Bexar County+62%
Texas+65%
United States+53%
Typical rent
Sandy OaksNo clear change
Bexar County+33%
Texas+34%
United States+33%
Typical household income
Sandy OaksNo clear change
Bexar County+27%
Texas+27%
United States+29%
Change since 2015–2019: Sandy Oaks and its comparisons
Measure
Sandy Oaks
Bexar County
Texas
United States
Typical home value
+50%
+62%
+65%
+53%
Typical rent
No clear change
+33%
+34%
+33%
Typical household income
No clear change
+27%
+27%
+29%
From 2015–2019 to 2020–2024, the typical home value in Sandy Oaks rose 50%; in Bexar County, it rose 62%.
Since 2015–2019, the typical rent in Sandy Oaks did not change clearly, according to the Census.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Sandy Oaks and its comparisons
Measure
Sandy Oaks
Bexar County
Texas
United States
Rental vacancy
Unreliable estimate
8.8%
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
1.2%
1.1%
0.9%
More than one person per room
Unreliable estimate
4.7%
4.8%
3.4%
People per household
2.52
2.70
2.69
2.53
Drive alone
61%
68%
71%
69%
Carpool
Unreliable estimate
12%
10%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
Unreliable estimate
15%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
30 to 39 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
On average, a household in Sandy Oaks has 2.52 people, fewer than in Bexar County (2.70).
In Sandy Oaks, 61% of workers drive alone to work; in Bexar County, 68%.
Do the math
What would you pay each month for a home in Sandy Oaks?
A typical home is within reach of the typical income
We start with a typical home in Sandy Oaks, worth $120,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 21% of the typical household income in Sandy Oaks, which is $50,806 a year.
The calculator's FHA and conventional loan limits are those of all of Bexar 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 Sandy Oaks. 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 $4,211 (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
$1,077
at 7.18% · 30 years
Loan amount
$118,121
Total interest
$169,948
Paid off in
November 2056
Includes $2,032 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,185 a month
Your payment · 25%
Tight
$1,185 to $1,524 a month
Hard
more than $1,524 a month
Compared with the typical household income in Sandy Oaks ($50,806 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$800
Property tax
$173
Home insurance
$50
FHA mortgage insurance (MIP)
$53
You need at least $4,211 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 $1,077; principal and interest $800.
The city and its county
Sandy Oaks and Bexar County
Sandy Oaks 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).
Sandy Oaks
Map of Bexar County, Texas, with Sandy Oaks marked. Around it, the neighboring counties.
Sandy Oaks
Bexar County
Other cities with a page
Sandy Oaks's own numbers
Typical home value
$120,300
Typical monthly rent
$1,309
Typical yearly household income
$50,806
Households that own their home
96%
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.
A typical home in Sandy Oaks is worth $120,300: 54% below the county and 58% below Texas. With the typical household income in Sandy Oaks ($50,806 a year), a typical home costs 2.4 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.
Sandy Oaks2.4 years
Bexar3.6 years
Texas3.6 years
United States4.1 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.
Yearly change in FHFA’s price index in Bexar County, 2016 to 2025
2016: +7.4% +7.4% 2016
2017: +7.1% +7.1% 2017
2018: +5.6% +5.6% 2018
2019: +5.9% +5.9% 2019
2020: +3.6% +3.6% 2020
2021: +12.3% +12.3% 2021
2022: +17.6% +17.6% 2022
2023: +2.9% +2.9% 2023
2024: +0.2% +0.2% 2024
2025: +0.5% +0.5% 2025
Change in FHFA’s price index in Bexar County, Texas and the United States
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
Sandy Oaks 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
Sandy Oaks$120,300
Bexar$262,200
Texas$283,800
United States$332,700
Typical monthly rent
Sandy Oaks$1,309
Bexar$1,354
Texas$1,403
United States$1,413
Typical yearly household income
Sandy Oaks$50,806
Bexar$72,341
Texas$78,476
United States$80,734
See the full table
Sandy Oaks next to Bexar County and Texas
Measure
Sandy Oaks
Bexar County
Texas
U.S.
Typical home value
$120,300 ▼54% below the county
$262,200
$283,800
$332,700
Typical monthly rent
$1,309 ▼3% below the county
$1,354
$1,403
$1,413
Typical yearly household income
$50,806 ▼30% below the county
$72,341
$78,476
$80,734
Households that own their home
96% ▲37 points above the county
59%
63%
65%
“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 Sandy Oaks
For a typical $120,300 home in Sandy Oaks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, an example home insurance and mortgage insurance when it applies. It leaves out property tax because the Census Bureau doesn't publish Sandy Oaks's rate.
FHA, 3.5% down$904a month
Least cash to close
Down payment
$4,211
Cash to close
$7,820
Rate
7.18%
Mortgage insurance
FHA MIP · $53
Conventional, 5% down$881a month
Down payment
$6,015
Cash to close
$9,624
Rate
7.18%
Mortgage insurance
PMI · $57
Conventional, 20% down, no PMI$702a month
Down payment
$24,060
Cash to close
$27,669
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$813a month
Down payment
$18,045
Cash to close
$21,654
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Sandy Oaks
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$904
$4,211
$118,121
7.18%
FHA MIP · $53
$7,820
580
Conventional, 5% down
$881
$6,015
$114,285
7.18%
PMI · $57
$9,624
620*
Conventional, 20% down, no PMI
$702
$24,060
$96,240
7.18%
None
$27,669
620*
ITIN, 15% down (example)
$813
$18,045
$102,255
8.18%
None
$21,654
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 Sandy Oaks is $1,309 a month: 3% below 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.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Bexar 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 Sandy Oaks
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Sandy Oaks is in ZIP code 78112.
For 2 bedrooms it is $1,390: $51 less than the fair market rent for Bexar County ($1,441).
Fair market rent by ZIP code and size in Sandy Oaks, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78112
$1,060
$1,150
$1,390
$1,800
$2,090
ZIP code2 bd3 bd
78112 $1,390$1,800
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Sandy Oaks 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)
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.
No down payment, repair or rent-help program on our list is for Sandy Oaks or Bexar County. The ones below are statewide in Texas: they work in Sandy Oaks 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 Sandy Oaks or Bexar 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 Sandy Oaks 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 Sandy Oaks?
The typical home value in Sandy Oaks is $120,300, 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 Sandy Oaks?
Typical rent in Sandy Oaks is $1,309 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 Sandy Oaks?
Sandy Oaks 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.
Where can I find free help to buy or rent in Sandy Oaks?
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.
