In Universal City, a typical home is worth $269,600 and typical rent is $1,315 a month. Home values, rent and income are very close to those of all of Bexar County.
Typical home value from Zillow, September 2021 to September 2026: from $242,878 to $259,288.
Typical rent
$1,189a month
▼ 1.2% less than 12 months ago
Typical rent from Zillow, September 2021 to September 2026: from $1,173 to $1,189.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Universal City 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
Universal City has the 27th smallest share of rent-burdened renters of the 356 cities in Texas with more than 5,000 people (39%).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Universal City
What homes there are in Universal City, 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
Universal City
Bexar County
Texas
United States
Kind of home: Universal City and its comparisons
Measure
Universal City
Bexar County
Texas
United States
Detached house
65%
64%
64%
61%
Attached house
Unreliable estimate
2%
3%
6%
Building of 2 to 4
7%
6%
5%
8%
Apartments (5 or more)
26%
25%
21%
19%
Mobile home
Unreliable estimate
3%
6%
6%
Boat, RV and other
Unreliable estimate
0%
0%
0%
As in Bexar County, most homes in Universal City are detached houses (65%).
Year built
Before 19601960–19791980–19992000–20092010 or later
Universal City
Bexar County
Texas
United States
Year built: Universal City and its comparisons
Measure
Universal City
Bexar County
Texas
United States
Before 1960
5%
16%
12%
26%
1960–1979
37%
21%
21%
24%
1980–1999
31%
25%
28%
25%
2000–2009
20%
17%
18%
14%
2010 or later
8%
21%
21%
11%
In Universal City, half of the homes were built before 1984; in Bexar County, before 1990.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200K15%
$200K–$300K42%
$300K–$500K35%
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Universal City and its comparisons
Measure
Universal City
Under $100K
Unreliable estimate
$100K–$200K
15%
$200K–$300K
42%
$300K–$500K
35%
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable estimate
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,49958%
$1,500–$1,99920%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Universal City and its comparisons
Measure
Universal City
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
58%
$1,500–$1,999
20%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable
With a mortgage
$1,862 a month
Bexar County: $1,923 a month
Without a mortgage
$848 a month
Bexar County: $651 a month
Owners with a mortgage
59%
Bexar County: 60%
In Universal City, 59% of owners have a mortgage; their typical cost is $1,862 a month, about the same as in Bexar County.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Universal City+60%
Bexar County+62%
Texas+65%
United States+53%
Typical rent
Universal City+34%
Bexar County+33%
Texas+34%
United States+33%
Typical household income
Universal City+18%
Bexar County+27%
Texas+27%
United States+29%
Change since 2015–2019: Universal City and its comparisons
Measure
Universal City
Bexar County
Texas
United States
Typical home value
+60%
+62%
+65%
+53%
Typical rent
+34%
+33%
+34%
+33%
Typical household income
+18%
+27%
+27%
+29%
The typical home value in Universal City rose 60% since 2015–2019, about the same as in Bexar County (62%).
The typical rent in Universal City rose 34% since 2015–2019, about the same as in Bexar County (33%).
Housing prices ran ahead of income in Universal City: typical income rose 18%, against +60% for home values and +34% for rent.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Universal City and its comparisons
Measure
Universal City
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
2.47
2.70
2.69
2.53
Drive alone
80%
68%
71%
69%
Carpool
8%
12%
10%
9%
Public transit
Unreliable estimate
2%
1%
3%
Walk or bike
Unreliable estimate
2%
2%
3%
Work from home
10%
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
On average, a household in Universal City has 2.47 people, fewer than in Bexar County (2.70).
The car rules in Universal City: 80% of workers drive to work alone, and the typical trip takes 20 to 29 minutes.
Do the math
What would you pay each month for a home in Universal City?
A typical home costs more than the typical income allows
We start with a typical home in Universal City, worth $269,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Universal City, which is $74,811 a year. For that payment to be 28% of income, a household would need to earn about $105,170 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 Universal City. 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 $9,436 (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
$2,454
at 7.18% · 30 years
Loan amount
$264,717
Total interest
$380,865
Paid off in
November 2056
Includes $4,553 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,746 a month
Tight
$1,746 to $2,244 a month
Hard
more than $2,244 a month
Your payment · 39%
Compared with the typical household income in Universal City ($74,811 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,793
Property tax
$429
Home insurance
$112
FHA mortgage insurance (MIP)
$119
You need at least $9,436 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 $2,454; principal and interest $1,793.
The city and its county
Universal City and Bexar County
Universal City 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).
Universal City
Map of Bexar County, Texas, with Universal City marked. Around it, the neighboring counties.
Universal City
Bexar County
Other cities with a page
Universal City's own numbers
Typical home value
$269,600
Typical monthly rent
$1,315
Typical yearly household income
$74,811
Households that own their home
57%
Effective property tax rate
1.91%
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 Universal City is worth $269,600: 3% above the county and 5% below Texas. With the typical household income in Universal City ($74,811 a year), a typical home costs 3.6 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.
Universal City3.6 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
Universal City 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
Universal City$269,600
Bexar$262,200
Texas$283,800
United States$332,700
Typical monthly rent
Universal City$1,315
Bexar$1,354
Texas$1,403
United States$1,413
Typical yearly household income
Universal City$74,811
Bexar$72,341
Texas$78,476
United States$80,734
See the full table
Universal City next to Bexar County and Texas
Measure
Universal City
Bexar County
Texas
U.S.
Typical home value
$269,600 ▲3% above the county
$262,200
$283,800
$332,700
Typical monthly rent
$1,315 ▼3% below the county
$1,354
$1,403
$1,413
Typical yearly household income
$74,811 ▲3% above the county
$72,341
$78,476
$80,734
Households that own their home
57% ▼1 points below the county
59%
63%
65%
Typical yearly property tax
$5,147 ▲13% above the county
$4,535
$4,232
$3,119
Effective property tax rate
1.91% ▲0.18 points above the county
1.73%
1.49%
0.94%
Renters with high rent for their income
39% ▼15 points below the county
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 Universal City
For a typical $269,600 home in Universal City, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Universal City's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,454a month
Least cash to close
Down payment
$9,436
Cash to close
$17,524
Rate
7.18%
Mortgage insurance
FHA MIP · $119
Conventional, 5% down$2,405a month
Down payment
$13,480
Cash to close
$21,568
Rate
7.18%
Mortgage insurance
PMI · $128
Conventional, 20% down, no PMI$2,003a month
Down payment
$53,920
Cash to close
$62,008
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,252a month
Down payment
$40,440
Cash to close
$48,528
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Universal City
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,454
$9,436
$264,717
7.18%
FHA MIP · $119
$17,524
580
Conventional, 5% down
$2,405
$13,480
$256,120
7.18%
PMI · $128
$21,568
620*
Conventional, 20% down, no PMI
$2,003
$53,920
$215,680
7.18%
None
$62,008
620*
ITIN, 15% down (example)
$2,252
$40,440
$229,160
8.18%
None
$48,528
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 Universal City is $1,315 a month: 3% below the county. In Universal City, 39% 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.
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 Universal City
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Universal City is in ZIP code 78148.
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 Universal City, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78148
$1,060
$1,150
$1,390
$1,800
$2,090
ZIP code2 bd3 bd
78148 $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 Universal City 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 Universal City or Bexar County. The ones below are statewide in Texas: they work in Universal City 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).
The HUD-approved agencies closest to the center of Universal City, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
GF
Greenpath Financial Wellness
12415 Old Converse Rd, Live Oak · 1 miles away · Spanish
No legal help resource on our list is for Universal City 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 Universal City 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 Universal City?
The typical home value in Universal City is $269,600, 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 Universal City?
Typical rent in Universal City is $1,315 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 Universal City?
Universal City 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 Universal City?
The typical homeowner in Universal City pays $5,147 a year, according to the U.S. Census Bureau. That is 1.91% of the home’s value; in Bexar County, the rate is 1.73%.
Where can I find free help to buy or rent in Universal City?
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.
