In Scenic Oaks, a typical home is worth $563,100 and typical rent is $1,835 a month. Compared with all of Bexar County, typical household income is 142% higher, the typical home value is 115% higher, and the share of households that own their home is 25 points higher.
Scenic 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
The typical household income in Scenic Oaks is $174,962,142% more than in Bexar County as a whole ($72,341).
2
The typical home in Scenic Oaks is worth $563,100,115% more than in Bexar County as a whole ($262,200).
3
83% of households in Scenic Oaks own their home, against 59% in Bexar County.
4
The typical rent in Scenic Oaks is $1,835 a month, 36% more than in Bexar County as a whole ($1,354).
5
Nearby, in Helotes, the typical home value is $399,000: 29% less than in Scenic Oaks ($563,100).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Scenic Oaks
What homes there are in Scenic 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
Scenic Oaks
Bexar County
Texas
United States
Kind of home: Scenic Oaks and its comparisons
Measure
Scenic Oaks
Bexar County
Texas
United States
Detached house
87%
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
Unreliable estimate
3%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
In Scenic Oaks, 9 in 10 homes are single-family detached houses; in Bexar County, 6.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Scenic Oaks
Bexar County
Texas
United States
Year built: Scenic Oaks and its comparisons
Measure
Scenic Oaks
Bexar County
Texas
United States
Before 1960
Unreliable estimate
16%
12%
26%
1960–1979
13%
21%
21%
24%
1980–1999
19%
25%
28%
25%
2000–2009
14%
17%
18%
14%
2010 or later
54%
21%
21%
11%
Here half of the homes date from 2011 or later; in Bexar County, from 1990 or later.
Homes in Scenic Oaks are bigger: 89% have 3 bedrooms or more; in Bexar County, 61%.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300KUnreliable
$300K–$500K31%
$500K–$750K56%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Scenic Oaks and its comparisons
Measure
Scenic Oaks
Under $100K
Unreliable
$100K–$200K
Unreliable estimate
$200K–$300K
Unreliable estimate
$300K–$500K
31%
$500K–$750K
56%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
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: Scenic Oaks and its comparisons
Measure
Scenic Oaks
Under $500
Unreliable
$500–$999
Unreliable
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$3,062 a month
Bexar County: $1,923 a month
Without a mortgage
$1,307 a month
Bexar County: $651 a month
Owners with a mortgage
74%
Bexar County: 60%
In Scenic Oaks, 74% of owners have a mortgage, and their typical cost is $3,062 a month, against $1,923 in Bexar County. Without one it drops to $1,307.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Scenic Oaks+51%
Bexar County+62%
Texas+65%
United States+53%
Typical rent
Scenic OaksNo clear change
Bexar County+33%
Texas+34%
United States+33%
Typical household income
Scenic OaksNo clear change
Bexar County+27%
Texas+27%
United States+29%
Change since 2015–2019: Scenic Oaks and its comparisons
Measure
Scenic Oaks
Bexar County
Texas
United States
Typical home value
+51%
+62%
+65%
+53%
Typical rent
No clear change
+33%
+34%
+33%
Typical household income
No clear change
+27%
+27%
+29%
The typical home value in Scenic Oaks rose 51% since 2015–2019, less than in Bexar County (62%).
The typical rent in Scenic Oaks stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Scenic Oaks and its comparisons
Measure
Scenic 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
2.92
2.70
2.69
2.53
Drive alone
60%
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
23%
15%
14%
15%
Other means
Unreliable estimate
2%
2%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
More people live in each home here: 2.92 on average, against 2.70 in Bexar County.
Many people here do not commute at all: 23% work from home; in Bexar County, 15%.
Do the math
What would you pay each month for a home in Scenic Oaks?
A typical home is tight for the typical income
We start with a typical home in Scenic Oaks, worth $563,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Scenic Oaks, which is $174,962 a year. For that payment to be 28% of income, a household would need to earn about $212,424 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 Scenic 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 $19,709 (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
$4,957
at 7.18% · 30 years
Loan amount
$552,900
Total interest
$795,494
Paid off in
November 2056
Includes $9,509 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $4,082 a month
Tight
$4,082 to $5,249 a month
Your payment · 34%
Hard
more than $5,249 a month
Compared with the typical household income in Scenic Oaks ($174,962 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$3,746
Property tax
$727
Home insurance
$235
FHA mortgage insurance (MIP)
$249
You need at least $19,709 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 $4,957; principal and interest $3,746.
The city and its county
Scenic Oaks and Bexar County
Scenic 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).
Scenic Oaks
Map of Bexar County, Texas, with Scenic Oaks marked. Around it, the neighboring counties.
Scenic Oaks
Bexar County
Other cities with a page
Scenic Oaks's own numbers
Typical home value
$563,100
Typical monthly rent
$1,835
Typical yearly household income
$174,962
Households that own their home
83%
Effective property tax rate
1.55%
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 Scenic Oaks is worth $563,100: 115% above the county and 98% above Texas. With the typical household income in Scenic Oaks ($174,962 a year), a typical home costs 3.2 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.
Scenic Oaks3.2 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
Scenic 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
Scenic Oaks$563,100
Bexar$262,200
Texas$283,800
United States$332,700
Typical monthly rent
Scenic Oaks$1,835
Bexar$1,354
Texas$1,403
United States$1,413
Typical yearly household income
Scenic Oaks$174,962
Bexar$72,341
Texas$78,476
United States$80,734
See the full table
Scenic Oaks next to Bexar County and Texas
Measure
Scenic Oaks
Bexar County
Texas
U.S.
Typical home value
$563,100 ▲115% above the county
$262,200
$283,800
$332,700
Typical monthly rent
$1,835 ▲36% above the county
$1,354
$1,403
$1,413
Typical yearly household income
$174,962 ▲142% above the county
$72,341
$78,476
$80,734
Households that own their home
83% ▲25 points above the county
59%
63%
65%
Typical yearly property tax
$8,723 ▲92% above the county
$4,535
$4,232
$3,119
Effective property tax rate
1.55% ▼0.18 points below the county
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 Scenic Oaks
For a typical $563,100 home in Scenic Oaks, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Scenic Oaks's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$4,957a month
Least cash to close
Down payment
$19,709
Cash to close
$36,602
Rate
7.18%
Mortgage insurance
FHA MIP · $249
Conventional, 5% down$4,853a month
Down payment
$28,155
Cash to close
$45,048
Rate
7.18%
Mortgage insurance
PMI · $267
Conventional, 20% down, no PMI$4,014a month
Down payment
$112,620
Cash to close
$129,513
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$4,534a month
Down payment
$84,465
Cash to close
$101,358
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Scenic Oaks
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$4,957
$19,709
$552,901
7.18%
FHA MIP · $249
$36,602
580
Conventional, 5% down
$4,853
$28,155
$534,945
7.18%
PMI · $267
$45,048
620*
Conventional, 20% down, no PMI
$4,014
$112,620
$450,480
7.18%
None
$129,513
620*
ITIN, 15% down (example)
$4,534
$84,465
$478,635
8.18%
None
$101,358
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 Scenic Oaks is $1,835 a month: 36% 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.
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 Scenic Oaks
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Scenic Oaks has 2 ZIP codes with their own.
For 2 bedrooms it runs from $1,700 in 78006 to $1,920 in 78255.
2 of the 2 are above the fair market rent for Bexar County ($1,441).
Fair market rent by ZIP code, HUD area and size in Scenic Oaks, fiscal year 2027. A ZIP code that crosses a HUD area line appears once per area.
78006
Kendall County, TX
$1,310
$1,340
$1,700
$2,340
$2,550
78255
San Antonio-New Braunfels, TX
$1,460
$1,590
$1,920
$2,480
$2,880
ZIP code2 bd3 bd
78006 $1,700$2,340
78255 $1,920$2,480
2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Scenic 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 Scenic Oaks or Bexar County. The ones below are statewide in Texas: they work in Scenic 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 Scenic 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 Scenic 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 Scenic Oaks?
The typical home value in Scenic Oaks is $563,100, 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 Scenic Oaks?
Typical rent in Scenic Oaks is $1,835 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 Scenic Oaks?
Scenic 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.
How much property tax do owners pay in Scenic Oaks?
The typical homeowner in Scenic Oaks pays $8,723 a year, according to the U.S. Census Bureau. That is 1.55% of the home’s value; in Bexar County, the rate is 1.73%.
Where can I find free help to buy or rent in Scenic 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.
