ZIP 78101

78101 is one of 70 ZIP codes that lie mostly in Bexar County, TX — 52% of its own area is in the county.

Shaded by typical home value, it ranks 4 of the 37 nearby ZIPs shown.

In January 2000 the typical home in 78101 was worth $140,984.

Values peaked at $428,272 in August 2022. The latest reading is −2.6% from that peak.

As of August 2026: $417,262, +1.6% over twelve months.

Start with the typical home: $417,262. Put 20% down and borrow $333,810 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $2,311 a month in principal and interest.

The median household here earns $90,413 a year, $7,534 a month. So the payment takes 30.7% of income — rated “stretched” (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 $844.

In December 2020, with rates at 2.68%, it was $1,078.

By August 2026, at 6.67%, it was $2,147 — +99% since December 2020, while the home's value moved +25%.

Reported values rose +196% 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 $278,246. So the real change is +50%, not +196%.

78101: +196% since January 2000.

Bexar County: +143% since January 2000.

Texas: +160% since January 2000 — 78101 ran ahead of it by 36 points.

Against 1,763 Texas ZIP codes, 78101 sits at the 24th percentile for affordability (price vs local income).

70th for appreciation (recent value growth); 3rd for rental yield (rent vs price).

Owning the typical home costs about $2,728 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $803 a month.

Price divided by a year's rent: 43.3. 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 31 a month (Redfin, 3-month rolling data through August 2026).

On the shelf — homes for sale at the end of the period: 96.

Going out — closed sales: about 31 a month.

The ladder: homes for sale ÷ monthly sales = 3.1 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 0 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 31 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 7 — so sales ran at 443% of it, and below it in 0 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: 96 in June 2026.

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

County assessor records list 369 properties with a market value here. Their average assessed market value is $182,780; the typical home value is $417,262.

The assessor average sits −56.2% from the market figure — an average against a typical value, so treat it as a check, not a verdict.