San Antonio - TX vs Jacksonville - FL: 2026 Housing Comparison

What this means for buyers

Jacksonville - FL is roughly 28% more expensive than San Antonio - TX in typical home value.

San Antonio vs Jacksonville: what the numbers say

At today's 7.40% average 30-year rate with 20% down, the typical home would cost about $1,517 a month in principal and interest in San Antonio and $1,942 in Jacksonville, a gap of $425 a month.

Typical rent runs $1,415 in San Antonio and $1,680 in Jacksonville, so the mortgage payment alone is 1.1 times rent in San Antonio and 1.2 times rent in Jacksonville, before taxes and insurance.

Home prices are 16.1 years of rent in San Antonio and 17.4 in Jacksonville; the lower ratio in San Antonio means buying there is cheaper relative to renting.

Over the last 23 months typical values moved -4.8% in San Antonio and -3.3% in Jacksonville; over just the last three months the change was -0.6% in San Antonio and +0.1% in Jacksonville.

Homes sell for 97.2% of list price in San Antonio and 96.8% in Jacksonville, after 53 and 49 days on the market, with price cuts on 30% and 29% of listings. The signs are mixed: San Antonio has more price cuts and longer time on the market, while Jacksonville has sales further below list.

The number of homes for sale is up 4% on a year ago in San Antonio and down 13% on a year ago in Jacksonville.

Payments assume a 30-year fixed loan at the Freddie Mac weekly average rate (2026-10-15), 20% down, principal and interest only. Home values, rents and market figures are Zillow Research metro data.