San Antonio - TX vs Cleveland - OH: 2026 Housing Comparison

What this means for buyers

San Antonio - TX is roughly 10% more expensive than Cleveland - OH in typical home value. Homes sit on market longer in San Antonio - TX (53 days vs 13), suggesting more buyer leverage there. San Antonio - TX sees more listings with price cuts (30.4% vs 26.3%), a sign of softening seller expectations.

San Antonio vs Cleveland: what the numbers say

At today's 7.32% average 30-year rate with 20% down, the typical home would cost about $1,505 a month in principal and interest in San Antonio and $1,374 in Cleveland, a gap of $131 a month.

Typical rent runs $1,415 in San Antonio and $1,440 in Cleveland, so the mortgage payment alone is 1.1 times rent in San Antonio and 1.0 times rent in Cleveland, before taxes and insurance.

Home prices are 16.1 years of rent in San Antonio and 14.5 in Cleveland; the lower ratio in Cleveland means buying there is cheaper relative to renting.

Over the last 23 months typical values moved -4.8% in San Antonio and +8.4% in Cleveland; over just the last three months the change was -0.6% in San Antonio and +1.0% in Cleveland.

Homes sell for 97.2% of list price in San Antonio and 100.1% in Cleveland, after 53 and 13 days on the market, with price cuts on 30% and 26% of listings. All three signs point the same way: buyers have more room to negotiate in San Antonio.

The number of homes for sale is up 4% on a year ago in San Antonio and up 16% on a year ago in Cleveland.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-22), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.