6005 Covers Cv · Schertz, TX 78132

$281,600

4 bd · 3.0 ba · 2,888 sqft · SingleFamily · 162 Days on market

Built 1975 Poor condition 0.57 ac lot $98/sqft · 14% below area Est $328k · 14% under

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Why this score? — see what drove the D grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• ARV discount +13.9/15.0
• Cash flow +10.4/30.0
• Schools +5.2/10.0
• Livability +3.7/5.0
• 1% rule +3.1/10.0
• DSCR +3.0/10.0
• Rent growth +1.9/5.0
• Condition / age +1.0/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

Key facts

• Separate entrance
• Wraparound carport
• Private apartment

Tags

• GATED DRIVEWAY
• WRAPAROUND CARPORT
• FENCED BACKYARD
• STORAGE BARN
• PRIVATE APARTMENT
• SEPARATE ENTRANCE

What this means for you Summary

Snapshot

• This is a 4-bed/3.0-bath single-family listed at $282k. Condition is rated poor.

Deal economics

• At list price, monthly cash flow is $-149 ($-2k/yr) — negative.
• To cash-flow at today's rent, offer at most $260k (7.7% below list).
• To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $227k (19.2% below list).
• Recommended offer: $227k (19.2% below list) — sets the bar for 1% rule.
• Cap rate 5.7% vs local median 2.9% in Schertz — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 73/100 on livability (#198 in TX) — a middle-class / working-renter tenant base. Strengths: employment A+, housing A+, crime A; Watch: health & safety D+, amenities F, commute F.
• Comal ISD (rural): math 57% / reading 59% proficiency, ranked #58 of 826 in TX (top 7%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
• Zoned schools: Garden Ridge El (math 61% / reading 60%, grade B-, #385 of 4,322 statewide, top 9%, 828 students, 22% FRL); Canyon Middle (math 48% / reading 44%, grade D+, #462 of 1,662 statewide, top 28%, 1,175 students, 47% FRL); Canyon H S (math 59% / reading 65%, grade B-, #237 of 1,632 statewide, top 16%, 2,348 students, 35% FRL) — zoned schools at 34% FRL track the district average.
• Market conditions: Rents soft (-2.3%/yr); 1136 active listings in the ZIP; 17 comparable units currently listed for rent nearby; rentals at typical pace (median 26d on market — plan ~3-4 weeks tenant-placement turnaround); high-income renter base; 3,420 units permitted in Comal County in 2024 (1,164 in 5+ unit buildings).

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $2k of loan paydown is wiped out by about $8k of value loss. Plan a longer hold.
• Comal County population projected at +70% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

• It's been on market 162 days — a 12% lower offer ($248k) is reasonable based on typical stale-listing flexibility.
• 18 sale attempts since 12y ago; this cycle's ask has dropped $158k (36%) from the opening price — seller is motivated, your offer sets the floor, not the list.

Risks & watch-outs

• Climate carrying-cost: severe wind risk, 80% chance of damaging wind over 30y; moderate wildfire risk; extreme-heat days projected 7→22/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $227,441 (19.2% below list)

Questions for the listing agent

1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
2. It's been on market 162 days. Have you received any prior offers? Is the seller open to a 19% concession, seller financing, or rate buy-down credit?
3. Have any recent inspections been done? Can we get a copy of the seller's disclosures and any deferred-maintenance estimates?
4. Built in 1975 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
5. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
6. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 0.81% ✗
• Cap rate: 5.66%
• Cash-on-cash: -2.27%
• DSCR: 0.90
• GRM: 10.3

CMA / ARV

• ARV (median comp): $328,322
• List price: $281,600
• Delta: -14.23%
• Verdict: UNDERPRICED
• Comps: 20 within 1.0 mi

Show comp detail 12 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
5701 Crooked Stick	0.30mi	4/2.0	2,692 (-7%)	14mo	$284,800	$106	59
3727 Columbia	0.43mi	5/2.5 (+1)	2,581 (-11%)	2mo	$339,000	$131	54
5818 Reagan Rdg	0.64mi	4/2.5	2,843 (-2%)	16mo	$473,000	$166	52
4995 Winkler Trl	0.74mi	4/3.5	2,656 (-8%)	1mo	$409,000	$154	49
3426 Columbia	0.73mi	5/3.0 (+1)	3,027 (+5%)	6mo	$449,000	$148	48
6793 Concho Crk	0.54mi	4/2.5	2,512 (-13%)	4mo	$399,000	$159	48
6548 Mason	0.63mi	4/3.0	2,494 (-14%)	4mo	$445,000	$178	45
5820 Saint Andrews	0.49mi	5/3.5 (+1)	3,205 (+11%)	10mo	$569,000	$178	44
3425 Charleston Ln	0.70mi	3/2.5 (-1)	2,766 (-4%)	13mo	$360,000	$130	43
5508 Columbia Dr	0.69mi	4/2.5	2,492 (-14%)	1mo	$285,000	$114	43
4919 Midland Dr	0.56mi	4/2.5	2,552 (-12%)	12mo	$489,990	$192	42
5034 Winkler Trl	0.64mi	4/3.0	2,486 (-14%)	9mo	$449,000	$181	40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: -23.5%
• Equity multiple: 0.22×
• Total profit: $-61,771
• Equity at exit: $41,987

10-year hold

• IRR: -29.3%
• Equity multiple: -0.16×
• Total profit: $-91,652
• Equity at exit: $24,348

Cash invested: $78,848 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 87 Strongly Landlord-Friendly
• State Texas: 87 Strongly Landlord-Friendly · R+5
• County: — inherits STATE
• City: — inherits STATE

3-day notice; statewide preemption; one of the fastest eviction climates; Travis County (Austin) slightly slower.

Methodology + full state rankings →

ZIP-level market 78132

• Rents YoY: -2.3%
• Active inventory: 1136
• Price-to-rent: 10.3×

Monthly cashflow live

• Estimated rent: $2,274 high
• Mortgage (P&I): −$1,477
• Tax est. 1.5%: −$352 /mo · $4,224/yr
• Insurance: −$117
• HOA: −$0
• Vacancy / Maint / Mgmt: −$478
• Net cashflow: $-149

Break-even live

Break-even rent $2,463

Max offer price $259,997

Occupancy floor —

Sensitivity live

Price	-10% $45	-5% $-52	+0% $-149	+5% $-247	+10% $-344
Rent	-10% $-329	-5% $-239	+0% $-149	+5% $-59	+10% $30
Rate	-1.0pp $-7	-0.5pp $-78	base $-149	+0.5pp $-222	+1.0pp $-296

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $70,400
• Closing costs: $8,448
• Reserves months: —
• Total cash needed: —

Rent comps 17 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
5708 Mahogany Bay Schertz, TX	4.0	2.5	2372	$1,950	$0.82	45d	1	0.32mi
5125 Columbia Dr Cibolo, TX	4.0	3.0	2606	$2,095	$0.80	25d	1	0.42mi
6661 Bowie Cv Schertz, TX	3.0	3.0	2398	$2,195	$0.92	14d	1	0.56mi
3438 Columbia Dr Cibolo, TX	3.0	2.5	2312	$1,970	$0.85	45d	1	0.69mi
3401 Charleston Ln Cibolo, TX	4.0	3.0	2403	$2,995	$1.25	25d	1	0.80mi
3410 Sherwin Dr Schertz, TX	3.0	2.5	2329	$1,850	$0.79	5d	1	0.95mi
5744 Columbia Dr Cibolo, TX	3.0	2.5	2405	$2,029	$0.84	25d	1	1.03mi
5488 Devonwood St Cibolo, TX	4.0	2.5	2756	$2,500	$0.91	0d	1	1.09mi
5473 Cypress Pt Unit NA Cibolo, TX	4.0	3.5	2666	$2,575	$0.97	0d	1	1.16mi
5489 Cypress Pt Cibolo, TX	4.0	3.5	2732	$2,550	$0.93	0d	1	1.16mi
3120 Half Moon Dr Schertz, TX	4.0	3.0	3352	$2,485	$0.74	21d	1	1.18mi
3405 Whisper Hvn Schertz, TX	4.0	2.5	3109	$2,900	$0.93	25d	1	1.31mi
3333 Whisper Hvn Schertz, TX	5.0	3.0	3107	$2,599	$0.84	25d	1	1.33mi
3333 Whisper Hvn Schertz, TX	5.0	3.0	3109	$2,599	$0.84	6d	1	1.33mi
4809 Park Gln Marion, TX	3.0	2.5	2089	$2,150	$1.03	45d	1	1.47mi
4821 Park Gln Marion, TX	4.0	3.0	2245	$2,147	$0.96	45d	1	1.48mi
5012 Arrow Vis Marion, TX	4.0	2.5	2100	$2,000	$0.95	14d	1	1.49mi

Listing history 50 events

1. 2026-06-10
   status $281,600 Pending 162 DOM
2. 2026-06-09
   days on market $281,600 Active 162 DOM
3. 2026-06-08
   days on market $281,600 Active 161 DOM
4. 2026-06-07
   days on market $281,600 Active 160 DOM
5. 2026-06-04
   days on market $281,600 Active 157 DOM
6. 2026-06-03
   status $281,600 Active 156 DOM
7. 2026-05-05
   status Pending 869-char remark

   Show marketing remark (869 chars)

   HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

8. 2026-04-25
   price $281,600 869-char remark

   Show marketing remark (869 chars)

   HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

9. 2026-04-15
   status Active 869-char remark

   Show marketing remark (869 chars)

   HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

10. 2026-02-24
    status Pending 869-char remark

    Show marketing remark (869 chars)

    HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

11. 2026-02-03
    price $316,800 869-char remark

    Show marketing remark (869 chars)

    HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

12. 2025-12-27
    price $352,000 869-char remark

    Show marketing remark (869 chars)

    HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

13. 2025-11-25
    price $387,200 869-char remark

    Show marketing remark (869 chars)

    HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

14. 2025-10-11
    listed $440,000 Active 869-char remark

    Show marketing remark (869 chars)

    HUD owned property. Case #514-254878. HUD properties are sold As-Is. Broker must be registered with HUD to sell property. No repairs or alterations until after closing & funding. This unique ranch style property offers stunning curb appeal with large oak trees, a metal roof, and an impressive gated driveway leading to a wraparound carport. The spacious fenced backyard features a storage barn and plenty of open space to enjoy. Inside the main home, you’ll find a single story layout with 3 bedrooms and 2 bathrooms, and a large open living room to kitchen with tall ceilings, abundant natural light, and backyard views through numerous windows. The former garage has been converted into a private 1 bedroom and 1 bathroom apartment with its own kitchen, living room, and separate entrance, perfect for guests, multigenerational living, or rental income.

15. 2018-01-12
    soldstatus Sold 520-char remark

    Show marketing remark (520 chars)

    Location, location, location-this is it! Located between New Braunfels & SA & near IH35 for easy commute! Just because it says "built in 1975," don't let that fool you. Home has been remodeled into a beautiful, contemporary home. Lg master bedroom, 3 bedrooms with Jack-n-Jill bathroom, wine & mini fridges for entertaining. Gorgeous windows along one side provide for natural lighting & a view of a scenic backyard. Garage has been renovated into a 652 square ft mother-in-law suite or rental!

16. 2018-01-11
    status Pending 520-char remark

    Show marketing remark (520 chars)

    Location, location, location-this is it! Located between New Braunfels & SA & near IH35 for easy commute! Just because it says "built in 1975," don't let that fool you. Home has been remodeled into a beautiful, contemporary home. Lg master bedroom, 3 bedrooms with Jack-n-Jill bathroom, wine & mini fridges for entertaining. Gorgeous windows along one side provide for natural lighting & a view of a scenic backyard. Garage has been renovated into a 652 square ft mother-in-law suite or rental!

17. 2017-11-01
    listed $256,900 New 520-char remark

    Show marketing remark (520 chars)

    Location, location, location-this is it! Located between New Braunfels & SA & near IH35 for easy commute! Just because it says "built in 1975," don't let that fool you. Home has been remodeled into a beautiful, contemporary home. Lg master bedroom, 3 bedrooms with Jack-n-Jill bathroom, wine & mini fridges for entertaining. Gorgeous windows along one side provide for natural lighting & a view of a scenic backyard. Garage has been renovated into a 652 square ft mother-in-law suite or rental!

18. 2017-10-25
    historical
19. 2017-10-16
    historical
20. 2017-10-16
    status Pending
21. 2017-10-16
    status Pending
22. 2017-09-20
    status Pending
23. 2017-09-19
    status Pending with Option
24. 2017-09-19
    historical Option Period
25. 2017-09-19
    status Pending - Taking Backups
26. 2017-09-19
    historical Active Option
27. 2017-09-19
    historical Temporarily Off Market
28. 2017-09-18
    historical
29. 2017-09-10
    price $279,900
30. 2017-09-10
    price $279,900
31. 2017-09-10
    price $279,900
32. 2017-09-10
    status Back on Market
33. 2017-09-10
    status Active
34. 2017-09-10
    status Active
35. 2017-09-10
    status Active
36. 2017-07-28
    historical
37. 2017-07-21
    historical
38. 2017-07-20
    historical
39. 2017-07-20
    historical Temporarily Off Market
40. 2017-07-20
    price
41. 2017-07-20
    status Active
42. 2017-07-20
    status Back on Market
43. 2017-07-13
    status Pending with Option
44. 2017-07-13
    historical Active Option
45. 2017-06-12
    status Back on Market
46. 2017-06-12
    status Active
47. 2017-06-12
    status Active
48. 2017-06-12
    status Active
49. 2017-06-02
    status Pending SB
50. 2017-05-29
    status Pending

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

• 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
• 🔥 Wildfire 5/10 Major
• 🌡 Heat 8/10 Severe 7 d/yr ≥108°F today · 22 d/yr by 30 yrs out
• 💨 Wind 8/10 Severe 80% chance of damaging wind over 30 yrs
• 🫁 Air quality 1/10 Low 0 unhealthy d/yr today · 0 by 30 yrs out

Taxation est. · year 1

• Rental income: $27,293
• − Mortgage interest: −$15,774
• − Property taxes: −$4,224
• − Insurance: −$1,408
• − Repairs & maintenance: −$2,183
• − Management: −$2,183
• − Depreciation: −$8,192
• Taxable loss: −$6,672
• Est. tax savings @ 24.0%: +$1,601
• After-tax cash flow: $-190/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 1 photo

Poor 20/100 Extensive rehab

This property requires extensive repairs and updates to bring it up to a livable condition. Significant investments in the roof, exterior, flooring, HVAC, and landscaping are necessary to increase its value.

Repairs flagged

• Major roof — Significant damage and discoloration
• Major exterior siding — Weathered and peeling
• Major flooring — Worn and damaged
• Major HVAC/mechanicals — No recent maintenance

Value-add opportunities

• Both roof replacement — Critical to safety and appearance
• Both exterior siding repair — Improves curb appeal and value
• Both flooring replacement — Enhances living space and value
• Both HVAC upgrade — Improves comfort and energy efficiency
• Both landscaping and curb appeal — Enhances property value and appeal

Renovation cost estimate screening

Repair item	Severity	Est. cost
roof · Significant damage and discoloration	Major	$15,000–50,000
exterior siding · Weathered and peeling	Major	$15,000–50,000
flooring · Worn and damaged	Major	$15,000–50,000
HVAC/mechanicals · No recent maintenance	Major	$15,000–50,000
Total estimated repair cost · 4 items		$60,000–200,000

Value-add ROI direction

• Both roof replacement — Critical to safety and appearance ↑
• Both exterior siding repair — Improves curb appeal and value ↑
• Both flooring replacement — Enhances living space and value ↑
• Both HVAC upgrade — Improves comfort and energy efficiency ↑
• Both landscaping and curb appeal — Enhances property value and appeal ↑

ⓘ Cost ranges are severity-bucket heuristics (US national rule-of-thumb). Get contractor quotes + a written scope before underwriting a rehab budget.

Schools (NCES district)

• District: Comal ISD
• NCES district ID: 4814730
• Math proficiency: 57% ▼ -9.00%
• Reading proficiency: 59% ▼ -2.00%
• Median HH income: $74,792
• Composite: 51.79/100
• National rank: #1671
• State rank: #58 of 826 in TX

Livability — Schertz

• Score: 73/100
• State rank: #198
• US rank: #5013

Category grades

Amenities F Commute F Cost of living A Crime A Employment A+ Housing A+ Health & safety D+ User ratings B+

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Schertz, TX
• County: Comal County · 206,262 people
• City population: 41,907
• Metro: San Antonio-New Braunfels, TX
• Population (ZIP): 40,953
• Household income: $135,315
• Rent vs Own: 12.5% rent · 87.5% own
• Severe rent burden: 264.0

Population outlook (Comal County) Hauer SSP2

• Today (2025): 175,637 people
• By 2030: 199,911 · +13.8%
• By 2040: 249,436 · +42.0%
• By 2050: 299,430 · +70.5%
• By 2075: 423,857 · +141.3%
• By 2100: 512,048 · +191.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly White (71%)
• Race & ethnicity: White 71% Hispanic / Latino 21% Two or more races 13% Black 2% Asian 2%
• Hispanic origin (detail): Mexican 16% Puerto Rican 1%
• Common ancestry: Slovak 4% Italian 3% Serbian 3%
• Foreign-born: 6% · Canada
• Languages at home: 89% English-only · Spanish 9% Other Indo-European 1%

Political lean MEDSL · Comal

• 2024 margin: Solid R (+45.5) · D 26.8% · R 72.2%
• 2008→2024 swing: +1.9pp toward D · 2008: -47.4pp · 2024: -45.5pp
• All cycles: 2024: R+45.5 2020: R+42.7 2016: R+50.1 2012: R+54.1 2008: R+47.4

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -139.57%
• Current HPI: 202.432
• Rent YoY: ▼ -2.32%
• Metro: San Antonio-New Braunfels, TX
• State GDP YoY: ▲ 3.95%
• F500 in state: 110

Industry mix (Fortune 500 HQ in TX)

Industry	F500 HQs	Revenue
▸Energy	16	$1,198B
▸Technology	5	$198B
▸Engineering / Construction	4	$72B
▸Energy Services	3	$60B
▸Utilities	3	$41B
▸Healthcare	2	$330B

Price history

+96.1% since first listed

55 events — show timeline

• 2026-05-05 Pending — Unlock MLS
• 2026-04-25 Price Changed $281,600 Unlock MLS
• 2026-04-15 Relisted — Unlock MLS
• 2026-02-24 Pending — Unlock MLS
• 2026-02-03 Price Changed $316,800 Unlock MLS
• 2025-12-27 Price Changed $352,000 Unlock MLS
• 2025-11-25 Price Changed $387,200 Unlock MLS
• 2025-10-11 Listed $440,000 Unlock MLS
• 2018-01-12 Sold (MLS) — LERA
• 2018-01-11 Pending — LERA
• 2017-11-01 Listed $256,900 LERA
• 2017-10-25 Delisted — CBMLS
• 2017-10-16 Listing Removed — CTXMLS
• 2017-10-16 Pending — Unlock MLS
• 2017-10-16 Pending — LERA
• 2017-09-20 Pending — CBMLS
• 2017-09-19 Pending — CTXMLS
• 2017-09-19 Contingent — CBMLS
• 2017-09-19 Pending — Unlock MLS
• 2017-09-19 Contingent — LERA
• 2017-09-19 Delisted — Unlock MLS
• 2017-09-18 Listing Removed — LERA
• 2017-09-10 Price Changed $279,900 LERA
• 2017-09-10 Price Changed $279,900 CTXMLS
• 2017-09-10 Price Changed $279,900 CBMLS
• 2017-09-10 Relisted — LERA
• 2017-09-10 Relisted — CTXMLS
• 2017-09-10 Relisted — CBMLS
• 2017-09-10 Relisted — Unlock MLS
• 2017-07-28 Listing Removed — LERA
• 2017-07-21 Listing Removed — CTXMLS
• 2017-07-20 Delisted — CBMLS
• 2017-07-20 Price Changed — Unlock MLS
• 2017-07-20 Delisted — Unlock MLS
• 2017-07-20 Relisted — CTXMLS
• 2017-07-20 Relisted — LERA
• 2017-07-13 Pending — CTXMLS
• 2017-07-13 Contingent — LERA
• 2017-06-12 Relisted — LERA
• 2017-06-12 Relisted — CTXMLS
• 2017-06-12 Relisted — Unlock MLS
• 2017-06-12 Relisted — CBMLS
• 2017-06-02 Pending — LERA
• 2017-05-29 Pending — CBMLS
• 2017-05-21 Contingent — CBMLS
• 2017-05-21 Contingent — Unlock MLS
• 2017-05-21 Contingent — LERA
• 2017-05-18 Pending — CTXMLS
• 2017-05-01 Listed $264,999 CTXMLS
• 2017-04-10 Listed $264,999 CBMLS
• 2017-04-10 Listed — Unlock MLS
• 2017-04-07 Listed $264,999 LERA
• 2014-10-31 Sold (MLS) — LERA
• 2014-09-12 Listing Removed — LERA
• 2014-08-07 Listed $143,600 LERA