ZIP 78217 vs ZIP 78239

78217 is one of 70 ZIP codes that lie mostly in Bexar County, TX.

Shaded by typical home value, it ranks 20 of the 37 nearby ZIPs shown.

9 school locations in 78217: 6 elementary, 3 high.

In alphabetical order: ACADEMY OF CREATIVE ED, CLEAR SPRING EL, HOMEBASED COMP ED, MACARTHUR H S, and more on the ZIP page. Locations only — no ratings are shown here.

78239 is one of 70 ZIP codes that lie mostly in Bexar County, TX.

Shaded by typical home value, it ranks 22 of the 37 nearby ZIPs shown.

10 school locations in 78239: 5 elementary, 4 middle, 1 high.

In alphabetical order: COMPASS ROSE JOURNEY, HARMONY SCHOOL OF INNOVATION - SAN ANTONIO, HERITAGE ACADEMY, HERITAGE ACADEMY OF SAN ANTONIO, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 78217 was worth $88,843.

Values peaked at $248,365 in August 2023. The latest reading is −10.3% from that peak.

As of August 2026: $222,710, −3.7% over twelve months.

Start with the typical home: $222,710. Put 20% down and borrow $178,168 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,234 a month in principal and interest.

The median household here earns $56,852 a year, $4,738 a month. So the payment takes 26.0% 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 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 $532.

In December 2020, with rates at 2.68%, it was $623.

By August 2026, at 6.67%, it was $1,146 — +84% since December 2020, while the home's value moved +16%.

Reported values rose +151% 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 $175,341. So the real change is +27%, not +151%.

78217: +151% since January 2000.

Bexar County: +143% since January 2000.

Texas: +160% since January 2000 — 78217 ran behind it by 10 points.

Against 1,763 Texas ZIP codes, 78217 sits at the 38th percentile for affordability (price vs local income).

15th for appreciation (recent value growth); 55th for rental yield (rent vs price).

Owning the typical home costs about $1,456 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,135 a month.

Price divided by a year's rent: 16.4. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 78239 was worth $92,230.

Values peaked at $244,553 in August 2022. The latest reading is −13.1% from that peak.

As of August 2026: $212,615, −4.2% over twelve months.

Start with the typical home: $212,615. Put 20% down and borrow $170,092 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $1,178 a month in principal and interest.

The median household here earns $71,455 a year, $5,955 a month. So the payment takes 19.8% 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 8.6% 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 $552.

In December 2020, with rates at 2.68%, it was $602.

By August 2026, at 6.67%, it was $1,094 — +82% since December 2020, while the home's value moved +14%.

Reported values rose +131% 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 $182,025. So the real change is +17%, not +131%.

78239: +131% since January 2000.

Bexar County: +143% since January 2000.

Texas: +160% since January 2000 — 78239 ran behind it by 30 points.

Against 1,763 Texas ZIP codes, 78239 sits at the 74th percentile for affordability (price vs local income).

12th for appreciation (recent value growth); 86th for rental yield (rent vs price).

Owning the typical home costs about $1,390 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,490 a month.

Price divided by a year's rent: 11.9. 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 37 a month (Redfin, 3-month rolling data through August 2026). That is 93% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 132.

Going out — closed sales: about 24 a month. That is 78% of the 2015–2019 level for the same months. The drain is drawn 55% narrower: the share of homes for sale that sell each month is 45% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 5.5 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 13 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 24 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 30 — so sales ran at 80% of it, and below it in 24 of the last 24 months.

Across Bexar County, builders pulled permits for 6,333 new homes in 2025.

Of those, 72% 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 45 a month (Redfin, 3-month rolling data through August 2026). That is 86% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 160.

Going out — closed sales: about 33 a month. That is 75% of the 2015–2019 level for the same months. The drain is drawn 52% narrower: the share of homes for sale that sell each month is 48% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.9 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 12 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 33 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 38 — so sales ran at 87% of it, and below it in 24 of the last 24 months.

Across Bexar County, builders pulled permits for 6,333 new homes in 2025.

Of those, 72% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Bexar County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,866 moved in. Among the ten receiving the most, 13,897 moved out.

Net across those counties: −2,031 households. Beside it, homes for sale in this ZIP: 132 in June 2026.

Most arrivals came from Guadalupe, TX (1,894 households); most departures went to Comal, TX (2,513).

County assessor records list 4,127 properties with a market value here. Their average assessed market value is $250,950; the typical home value is $222,710.

The assessor average sits +12.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Bexar County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 11,866 moved in. Among the ten receiving the most, 13,897 moved out.

Net across those counties: −2,031 households. Beside it, homes for sale in this ZIP: 160 in June 2026.

Most arrivals came from Guadalupe, TX (1,894 households); most departures went to Comal, TX (2,513).

County assessor records list 5,671 properties with a market value here. Their average assessed market value is $226,340; the typical home value is $212,615.

The assessor average sits +6.5% from the market figure — an average against a typical value, so treat it as a check, not a verdict.