Zip lookup · TX

78108
Cibolo, Texas.

Cibolo, Guadalupe County, TX · San Antonio-New Braunfels, TX metro · population 49,784

What it costs per month · 78108 $1,700/mo

to buy the typical home at today's mortgage rate — +$760 (+81%) since Jan 2020.

What the home itself did
1 year
Down $4,001 -1%
$327,968$323,966 since Sep 2025
5 years
Up $11,985 +4%
$311,981$323,966 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.

$500 $1,000 $1,500 $2,000 2002 2006 2010 2014 2018 2022 2026 78108 $1,700 United States $1,922
$500 $1,000 $1,500 $2,000 2002 2010 2018 2026
  • 78108$1,700
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 92 years.

Typical home values in zip 78108 fell 1.2% over the past year — slower than the nation's +1.2%.

Asking rents in zip 78108 fell 2.4% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 78108 runs $702/mo more than renting one. The gap peaked at $983 in Oct 2022.

That is $2,439 a month against $1,737 rent: a $1,700 mortgage payment, plus $391 property tax and $347 insurance & upkeep.

Owning vs renting — zip 78108

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.

$1,000 $1,500 $2,000 $2,500 2018 2020 2022 2024 2026 Owning all in $2,439 Renting $1,737 Mortgage only $1,700
$1,000 $1,500 $2,000 $2,500 2018 2022 2026
  • Owning all in$2,439
  • Renting$1,737
  • Mortgage only$1,700

Property tax · $391/mo 1.45% of value a year — the ACS 2020-2024 median bill over the median home value for 3 counties

Insurance & upkeep · $347/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 87% · Bexar County, TX 10% · Comal County, TX 3%

Zillow also publishes an index for the city itself: Cibolo, TX — measured over the city limits, which is a different area from this zip.

Asking rent $1,737 as of Sep 2026
-2.4%year on year
Typical home value $323,966 as of Sep 2026
-1.2%year on year

Asking rent — 78108

Against the San Antonio-New Braunfels, TX metro and the national benchmark.

$1,200 $1,400 $1,600 $1,800 2018 2020 2022 2024 2026 78108 $1,737 San Antonio $1,415 United States $1,932
$1,200 $1,400 $1,600 $1,800 2018 2022 2026
  • 78108$1,737
  • San Antonio$1,415
  • United States$1,932

Typical home value — 78108

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $250,000 $300,000 $350,000 2018 2020 2022 2024 2026 78108 $323,966 San Antonio $273,806 United States $366,157
$200,000 $250,000 $300,000 $350,000 2018 2022 2026
  • 78108$323,966
  • San Antonio$273,806
  • United States$366,157

Within 20 miles

Showing 30 of 41 zips in range — sorting picks from all 41.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
3.2 78154 Schertz 41,907 $1,550 $302,329
4.3 78124 Marion 6,157 — $338,790
5.0 78148 Universal City 22,187 $1,163 $258,519
7.8 78109 Converse 63,067 $1,659 $239,080
8.7 78233 San Antonio 48,911 $1,317 $224,753
8.7 78266 San Antonio 7,338 — $565,721
9.4 78239 San Antonio 28,609 $1,493 $209,421
10.0 78152 Saint Hedwig 4,521 $1,807 $269,164
10.3 78244 San Antonio 38,092 $1,545 $209,968
10.9 78123 McQueeney 2,127 — $431,996
11.5 78247 San Antonio 51,933 $1,547 $273,809
12.1 78218 San Antonio 39,428 $1,453 $192,390
12.2 78217 San Antonio 34,055 $1,147 $220,205
12.3 78130 New Braunfels 104,009 $1,568 $301,994
12.5 78259 San Antonio 29,826 $1,464 $399,823
13.2 78132 New Braunfels 40,953 $1,586 $558,866
13.4 78219 San Antonio 17,924 $1,340 $164,158
13.6 78261 San Antonio 26,657 $1,768 $434,207
15.3 78232 San Antonio 36,636 $1,291 $378,257
15.3 78209 San Antonio 43,400 $1,539 $466,991
15.5 78220 San Antonio 19,423 $1,512 $148,731
15.8 78101 Adkins 7,267 — $411,098
16.3 78263 San Antonio 4,253 — $342,735
16.4 78216 San Antonio 41,180 $1,233 $279,619
16.9 78258 San Antonio 52,448 $1,478 $500,221
16.9 78121 La Vernia 16,120 — $497,546
17.0 78208 San Antonio 3,861 $1,678 $175,934
17.2 78155 Seguin 55,600 $1,429 $267,084
17.3 78222 San Antonio 26,476 $1,651 $206,484
17.6 78202 San Antonio 10,224 $1,355 $149,652

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.