ZIP 78108 vs ZIP 78130

78108 is one of 7 ZIP codes that lie mostly in Guadalupe County, TX — 87% of its own area is in the county.

Shaded by typical home value, it ranks 4 of the 6 with a value.

9 school locations in 78108: 3 elementary, 5 middle, 1 high.

In alphabetical order: BARBARA JORDAN INT, BYRON P STEELE II H S, CIBOLO VALLEY EL, DOBIE J H, and more on the ZIP page. Locations only — no ratings are shown here.

78130 is one of 7 ZIP codes that lie mostly in Guadalupe County, TX — 56% of its own area is in the county.

Shaded by typical home value, it ranks 5 of the 6 with a value.

30 school locations in 78130: 13 elementary, 3 middle, 9 high, 5 other.

In alphabetical order: CANYON H S, CANYON MIDDLE, CARL SCHURZ EL, CLEAR SPRING EL, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 78108 was worth $184,217.

Values peaked at $365,166 in August 2022. The latest reading is −10.5% from that peak.

As of August 2026: $326,661, −1.1% over twelve months.

Start with the typical home: $326,661. Put 20% down and borrow $261,329 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,809 a month in principal and interest.

The median household here earns $117,304 a year, $9,775 a month. So the payment takes 18.5% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.4% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,103.

In December 2020, with rates at 2.68%, it was $885.

By August 2026, at 6.67%, it was $1,681 — +90% since December 2020, while the home's value moved +19%.

Reported values rose +77% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $363,571. So the real change is −10%, not +77%.

78108: +50% since January 2009.

Guadalupe County: +55% since January 2009.

Texas: +108% since January 2009 — 78108 ran behind it by 58 points.

Against 1,763 Texas ZIP codes, 78108 sits at the 83rd percentile for affordability (price vs local income).

41st for appreciation (recent value growth); 57th for rental yield (rent vs price).

Owning the typical home costs about $2,136 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,751 a month.

Price divided by a year's rent: 15.5. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2009 the typical home in 78130 was worth $180,704.

Values peaked at $366,586 in July 2022. The latest reading is −17.0% from that peak.

As of August 2026: $304,400, −2.0% over twelve months.

Start with the typical home: $304,400. Put 20% down and borrow $243,520 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,686 a month in principal and interest.

The median household here earns $84,426 a year, $7,036 a month. So the payment takes 24.0% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 14.2% in 2009.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2009 (5.05%) the payment was $780.

In December 2020, with rates at 2.68%, it was $863.

By August 2026, at 6.67%, it was $1,566 — +81% since December 2020, while the home's value moved +14%.

Reported values rose +68% since January 2009.

General prices (CPI-U) rose +58% over the same span.

Divide one by the other: in August 2026 dollars, the 2009 home was worth $284,896. So the real change is +7%, not +68%.

78130: +69% since January 2009.

Guadalupe County: +55% since January 2009.

Texas: +108% since January 2009 — 78130 ran behind it by 40 points.

Against 1,763 Texas ZIP codes, 78130 sits at the 49th percentile for affordability (price vs local income).

32nd for appreciation (recent value growth); 57th for rental yield (rent vs price).

Owning the typical home costs about $1,990 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,577 a month.

Price divided by a year's rent: 16.1. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 102 a month (Redfin, 3-month rolling data through August 2026). That is 81% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 415. That is 131% of the 2015–2019 level for the same months.

Going out — closed sales: about 80 a month. That is 74% of the 2015–2019 level for the same months. The drain is drawn 43% narrower: the share of homes for sale that sell each month is 57% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.2 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 22 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 80 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 93 — so sales ran at 86% of it, and below it in 18 of the last 24 months.

Across Guadalupe County, builders pulled permits for 1,697 new homes in 2025.

Of those, 91% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 263 a month (Redfin, 3-month rolling data through August 2026). That is 145% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 1,049. That is 215% of the 2015–2019 level for the same months.

Going out — closed sales: about 194 a month. That is 130% of the 2015–2019 level for the same months. The drain is drawn 40% narrower: the share of homes for sale that sell each month is 60% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.4 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 69 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 194 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 131 — so sales ran at 148% of it, and below it in 0 of the last 24 months.

Across Guadalupe County, builders pulled permits for 1,697 new homes in 2025.

Of those, 91% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Guadalupe County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,354 moved in. Among the ten receiving the most, 4,117 moved out.

Net across those counties: +1,237 households. Beside it, homes for sale in this ZIP: 415 in June 2026.

Most arrivals came from Bexar, TX (2,502 households); most departures went to Bexar, TX (1,894).

County assessor records list 2,699 properties with a market value here. Their average assessed market value is $313,371; the typical home value is $326,661.

The assessor average sits −4.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Guadalupe County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 5,354 moved in. Among the ten receiving the most, 4,117 moved out.

Net across those counties: +1,237 households. Beside it, homes for sale in this ZIP: 1,049 in June 2026.

Most arrivals came from Bexar, TX (2,502 households); most departures went to Bexar, TX (1,894).

County assessor records list 905 properties with a market value here. Their average assessed market value is $300,681; the typical home value is $304,400.

The assessor average sits −1.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.