| Index | Schertz | Texas | National |
| Cost of living | 107 | 94 | 100 |
| Groceries | 98 | 98 | 100 |
| Health care | 98 | 98 | 100 |
| Housing | 127 | 83 | 100 |
| Transportation | 97 | 98 | 100 |
| Utilities | 101 | 103 | 100 |
| Lifestyle & Entertainment | 102 | 98 | 100 |
| Household Items | 99 | 98 | 100 |
| Education & Childcare | 98 | 98 | 100 |
Knowing the cost of living in Schertz allows individuals to create a realistic budget. This helps them understand how their income will cover expenses and whether they need to make financial adjustments. The cost of living in any region can fluctuate due to various factors. To assess the cost of living consistently across different areas, a national average of 100 serves as the basis for the cost of living index. The cost of living in Schertz stands at 107, marking it 7% higher than the national average.
In Schertz, daily expenses such as food, housing, lifestyle expenses, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Schertz will resemble that of an average city, contributing to a manageable cost of living.
Housing costs are a very significant part of the Schertz cost of living index and generally encompass a large percentage of take-home income. Unfortunately, in this area, the housing costs for both homes and rentals were 26.5% more than the average city. This includes things like home and rent prices, mortgage rates and insurance.
Is Schertz an affordable place to live? It's a good question and one that you might want to ask when considering any new city, as affordability can play a huge role in the decision making process. The cost of living index (which we covered above), as well as housing costs and income levels play a vital role in determining the affordability of an area. The median home price in Schertz is 20.1% higher than the national average, while the average monthly rent prices are 41.4% higher than average. The affordability of any location can also be influenced by median income levels. Schertz has a median household income of $127,628, which is 56.9% higher than the national average.
Urbanization: Larger, urban areas boasting abundant amenities and robust employment prospects often exhibit a heightened cost of living, driven by the increased demand for services and residential relocation. Consequently, this leads to elevated home prices and higher rental rates. In contrast, sparsely populated rural locales or regions marked by diminished demand typically offer a more limited range of amenities and experience slower job market expansion. This translates into a more affordable cost of living.
Transportation: If public transportation is limited or not available, residents may need to own and maintain vehicles, which can add to the cost of living. Gas, insurance, regular maintenance and potentially lease or finance payments will all need to be paid on a monthly basis. In Schertz, the transportation index is 3.3% lower than the national average.
Utilities: Much like any other costs, utility expenses can exhibit considerable variations, influenced by factors such as climate, available energy sources, geographic location and state regulations. The costs associated with electricity, water, heating, and waste disposal can vary significantly depending on the city or state in question. In Schertz, the utilities index stands at 0.5% higher than the national average.
The Schertz cost of living data above is designed around a U.S. average baseline of 100, allowing for easy comparisons of relative living costs. Housing incorporates U.S. Census home price and rental data, while all other figures are AI-assisted estimates that account for regional price trends, climate, transportation dynamics, and common everyday expenses. These values are best used as directional city-to-city comparisons.
| Cost of living index | |
| Groceries index | |
| Health care index | |
| Housing index | |
| Transportation index | |
| Utilities index | |
| Lifestyle index | |
| Household index | |
| Educare index |
| Median Income | Per Year | Per Month | Max Budget (28% DTI) | Max Budget (36% DTI) |
| Owners | $142,065 | $11,839 | $3,315 | $4,262 |
| Renters | $92,627 | $7,719 | $2,161 | $2,779 |
| State | General Sales Tax | With Max Surtax |
| Texas | 6.25% | 8.25% |
| State | Income Tax (Low) | Income Tax (High) |
| Texas | 0% | 0% |
| City | Population | Cost of Living Index | National Avg. |
| Marion, TX | 919 | 89 | 11.2% |
| Kirby, TX | 8,908 | 94 | 5.6% |
| Lake Dunlap, TX | 1,592 | 96 | 4.5% |
| San Antonio, TX | 1,573,237 | 100 | 0.3% |
| McQueeney, TX | 3,003 | 97 | 3.4% |
| Schertz, TX | 43,642 | 107 | 6.9% |
| City | Population | Cost of Living Index | National Avg. |
| Jefferson City, MO | 43,647 | 91 | 8.6% |
| Mankato, MN | 43,578 | 101 | 0.9% |
| Linden, NJ | 43,551 | 125 | 24.8% |
| Urbana, IL | 43,747 | 95 | 4.8% |
| Hicksville, NY | 43,793 | 154 | 54.0% |
| Schertz, TX | 43,642 | 107 | 6.9% |
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