78130
New Braunfels, Texas.
New Braunfels, Comal County, TX · San Antonio-New Braunfels, TX metro · population 104,009
to buy the typical home at today's mortgage rate — +$684 (+76%) since Jan 2020.
- 1 year
- Down $5,518 -2%
- $307,512$301,994 since Sep 2025
- 5 years
- Down $6,473 -2%
- $308,467$301,994 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- 78130$1,585
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in zip 78130 fell 1.8% over the past year — slower than the nation's +1.2%.
Asking rents in zip 78130 rose 1.1% over the past year — slower than the nation's +2.7%.
Owning the typical home in zip 78130 runs $668/mo more than renting one. The gap peaked at $985 in Oct 2022.
That is $2,235 a month against $1,568 rent: a $1,585 mortgage payment, plus $327 property tax and $323 insurance & upkeep.
Owning vs renting — zip 78130
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$2,235
- Renting$1,568
- Mortgage only$1,585
Property tax · $327/mo 1.30% of value a year — the ACS 2020-2024 median bill over the median home value for 3 counties
Insurance & upkeep · $323/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
This zip spans 3 counties: Guadalupe County, TX 56% · Comal County, TX 44% · Hays County, TX 0%
Zillow also publishes an index for the city itself: New Braunfels, TX — measured over the city limits, which is a different area from this zip.
Asking rent — 78130
Against the San Antonio-New Braunfels, TX metro and the national benchmark.
- 78130$1,568
- San Antonio$1,415
- United States$1,932
Typical home value — 78130
Mid-tier homes, smoothed and seasonally adjusted.
- 78130$301,994
- San Antonio$273,806
- United States$366,157
Within 20 miles
| Miles sorted ascending, activate to sort descending | Zip activate to sort by Zip | City activate to sort by City | Population activate to sort by Population | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|---|
| 6.5 | 78123 | McQueeney | 2,127 | — | $431,996 |
| 8.8 | 78132 | New Braunfels | 40,953 | $1,586 | $558,866 |
| 10.5 | 78124 | Marion | 6,157 | — | $338,790 |
| 12.3 | 78108 | Cibolo | 49,784 | $1,737 | $323,966 |
| 13.5 | 78155 | Seguin | 55,600 | $1,429 | $267,084 |
| 14.2 | 78666 | San Marcos | 88,583 | $1,418 | $309,421 |
| 15.5 | 78154 | Schertz | 41,907 | $1,550 | $302,329 |
| 15.8 | 78266 | San Antonio | 7,338 | — | $565,721 |
| 16.5 | 78638 | Kingsbury | 2,135 | — | $368,036 |
| 16.7 | 78655 | Martindale | 3,730 | — | $329,498 |
| 16.8 | 78133 | Canyon Lake | 21,959 | $1,738 | $376,497 |
| 17.1 | 78148 | Universal City | 22,187 | $1,163 | $258,519 |
| 18.1 | 78622 | Fentress | 331 | — | $227,154 |
| 19.8 | 78661 | Prairie Lea | 835 | — | $201,868 |
| 19.8 | 78152 | Saint Hedwig | 4,521 | $1,807 | $269,164 |
| 19.9 | 78109 | Converse | 63,067 | $1,659 | $239,080 |
| 19.9 | 78261 | San Antonio | 26,657 | $1,768 | $434,207 |
Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.