Español

Este sitio también está en español. Leer en español

City · 5,070 residents · Bexar County, Texas

Terrell Hills , Texas

In Terrell Hills, a typical home is worth $838,400. Compared with all of Bexar County, the typical home value is 220% higher, typical household income is 158% higher, and the share of households that own their home is 22 points higher.

WhatsApp

  • Typical home value

    $838,400

    220% above the county

    195% above Texas

    • Terrell Hills
    • Bexar
    • Texas

  • Typical household income

    $186,400a year

    158% above the county

    138% above Texas

    • Terrell Hills
    • Bexar
    • Texas

  • Households that own their home

    81%

    22 points above the county

    19 points above Texas

    • Terrell Hills
    • Bexar
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$913,861
4% more than 12 months ago

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

Terrell Hills 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 Terrell Hills apart

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

  1. The typical household income in Terrell Hills is $186,400, 158% more than in Bexar County as a whole ($72,341).

  2. The typical home in Terrell Hills is worth $838,400, 220% more than in Bexar County as a whole ($262,200).

  3. Nearby, in Kirby, the typical home value is $165,500: 80% less than in Terrell Hills ($838,400).

  4. 81% of households in Terrell Hills own their home, against 59% in Bexar County.

  5. Terrell Hills has the 11th largest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (75%).

  6. According to Zillow, in the 12 months to September 2026 the typical home value in Terrell Hills rose 4%; in Texas, it fell 1.4%.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Terrell Hills

What homes there are in Terrell Hills, 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

The detached house rules in Terrell Hills: 89% of homes, more than in Bexar County (64%).

Year built

Homes in Terrell Hills are older: the typical year built is 1957; in Bexar County, 1990.

There is more room for a big family here: 78% of homes have 3 bedrooms or more, against 61% in Bexar County.

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

Owners with a mortgage

49%

Bexar County: 60%

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

From 2015–2019 to 2020–2024, the typical home value in Terrell Hills rose 36%; in Bexar County, it rose 62%.

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

MeasureTerrell HillsBexar 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 2.752.702.692.53
Drive alone 72%68%71%69%
Carpool Unreliable estimate12%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 19%15%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Bexar County, a household in Terrell Hills has 2.75 people on average.

In Terrell Hills, 19% of workers work from home, more than in Bexar County (15%).

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 Terrell Hills?

A typical home costs more than the typical income allows

We start with a typical home in Terrell Hills, worth $838,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Terrell Hills, which is $186,400 a year. For that payment to be 28% of income, a household would need to earn about $305,499 a year. Note: at that price the loan is above the FHA limit for Bexar 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 Bexar County.

Your numbers

Local data
$

Starts at the typical home value in Terrell Hills. 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 $29,344 (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

$7,128

at 7.18% · 30 years

Loan amount
$823,214
Total interest
$1,184,413
Paid off in
November 2056

Includes $14,158 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $4,349 a month

  • Tight

    $4,349 to $5,592 a month

  • Hard

    more than $5,592 a month

    Your payment · 46%

Compared with the typical household income in Terrell Hills ($186,400 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$7,128
Principal & interest$5,577
Property tax$831
Home insurance$349
FHA mortgage insurance (MIP)$371

This loan is over the FHA limit

You'd borrow $809,056, but the FHA limit for a one-unit home in Terrell Hills is $557,750. You'd need a bigger down payment or a different loan.

You need at least $29,344 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

Terrell Hills and Bexar County

Terrell Hills 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).

Terrell Hills's own numbers

Typical home value
$838,400
Typical yearly household income
$186,400
Households that own their home
81%
Effective property tax rate
1.19%

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 Terrell Hills

A typical home in Terrell Hills is worth $838,400: 220% above the county and 195% above Texas. With the typical household income in Terrell Hills ($186,400 a year), a typical home costs 4.5 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.

  • Terrell Hills 4.5 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

Terrell Hills 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
  • Terrell Hills $838,400
  • Bexar $262,200
  • Texas $283,800
  • United States $332,700
Typical yearly household income
  • Terrell Hills $186,400
  • Bexar $72,341
  • Texas $78,476
  • United States $80,734
See the full table
Terrell Hills next to Bexar County and Texas
Measure Terrell Hills Bexar County Texas U.S.
Typical home value $838,400 $262,200 $283,800 $332,700
Typical yearly household income $186,400 $72,341 $78,476 $80,734
Households that own their home 81% 59% 63% 65%
Typical yearly property tax $10,001 $4,535 $4,232 $3,119
Effective property tax rate 1.19% 1.73% 1.49% 0.94%
Renters with high rent for their income 75% 53% 52% 51%

“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 Terrell Hills

For a typical $838,400 home in Terrell Hills, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Terrell Hills's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $7,128a month

    Above the FHA limit for Bexar County ($557,750)
    Down payment
    $29,344
    Cash to close
    $54,496
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $371

  • Conventional, 5% down $6,975a month

    Least cash to close
    Down payment
    $41,920
    Cash to close
    $67,072
    Rate
    7.18%
    Mortgage insurance
    PMI · $398

  • Conventional, 20% down, no PMI $5,724a month

    Down payment
    $167,680
    Cash to close
    $192,832
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $6,500a month

    Down payment
    $125,760
    Cash to close
    $150,912
    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 Terrell Hills and for Bexar County.

Property tax

Effective rate in Terrell Hills

1.19%of the home’s value each year

$10,001 a year for the typical owner in Terrell Hills.

  • Terrell Hills 1.19%
  • 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 Terrell Hills

The Census Bureau publishes no typical rent for Terrell Hills. Below are the fair market rents for Bexar County. In Terrell Hills, 75% of renter households pay 30% or more of their income in rent.

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 Terrell Hills

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Terrell Hills is in ZIP code 78209.

For 2 bedrooms it is $1,620: $179 more than the fair market rent for Bexar County ($1,441).

  • 78209 $1,620$2,100

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

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 smiles on a bench outside his apartment building.

HUD counseling is free or low-cost

Assistance programs in Terrell Hills

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

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

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

    100 W Houston St, San Antonio · 4 miles away

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

  • Our Casas Resident Council, Inc.

    2300 W Commerce St Ste 218, San Antonio · 6 miles away · Spanish

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

  • Neighborhood Housing Services of San Antonio

    851 Steves Ave, San Antonio · 6 miles away · Spanish

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

Every agency in Bexar County All counseling agencies in Texas

Help in Spanish near Terrell Hills

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 Terrell Hills

HUD’s record names them for Terrell Hills 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 Terrell Hills, 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 Terrell Hills.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Terrell Hills

Short answers with the numbers for Terrell Hills 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 Terrell Hills?

The typical home value in Terrell Hills is $838,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Bexar County it is $262,200.

What is the FHA loan limit in Terrell Hills?

Terrell Hills 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 Terrell Hills?

The typical homeowner in Terrell Hills pays $10,001 a year, according to the U.S. Census Bureau. That is 1.19% of the home’s value; in Bexar County, the rate is 1.73%.

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

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).