Get & compare mortgage quotes anonymously Start in My Home

Safe Rate Local

Cost of Living in ZIP 78112

Is it better to rent or buy in ZIP 78112? Explore median costs, utility estimates, and run the numbers on your own budget to see how far your income goes.

← Back to ZIP 78112 Hub

Rent vs. Buy Affordability Calculator

Adjust the sliders to match your scenario. We recommend keeping total housing costs under 40% of your gross income.

$58,858
$1,471/mo

Median in area: $1,471

$152,710

Median in area: $152,710

$30,542

If you Rent

$1,636 /mo
Base Rent$1,471
Est. Utilities$165
% of Income33.4%
Pre-tax Residual$3,269

If you Buy

$1,233 /mo
P&I (6.964%)$810
Taxes & Ins$258
Est. Utilities$165
% of Income25.1%
Pre-tax Residual$3,672

Cost of Living FAQs

Is it cheaper to rent or buy in ZIP 78112?›

Based on median housing data, buying is currently more affordable on a monthly basis in ZIP 78112. The estimated all-in monthly cost for renting is $1,636, while owning a median-priced home with a 20% down payment is roughly $1,233 per month (a difference of $403).

How much do utilities cost in ZIP 78112?›

The average monthly utility cost (electricity and natural gas) for a typical home in ZIP 78112 is approximately $165. This estimate uses local utility rate schedules combined with median energy consumption profiles.

What is a good salary to live comfortably in ZIP 78112?›

To comfortably afford the median rent and utilities in ZIP 78112 without exceeding the recommended 30% housing-to-income threshold, a household should earn a gross salary of approximately $65,440 per year.