Why Homes Under $300K Are Dominating San Antonio’s Market — And What That Means for Military Families & First-Time Buyers

San Antonio’s housing market is shifting in a way that every buyer should pay attention to. New reporting shows that nearly half of all new single family home starts in the city now fall under the $300,000 price point. That is a major indicator of where the market is heading and a strong signal of opportunity for military families, first time buyers, and anyone using a VA loan.

The return of affordability in new construction is something buyers have been waiting on, and right now San Antonio is one of the few major Texas cities where this is actually happening.

What the Numbers Are Showing

Recent data highlights a few big changes in San Antonio’s new home landscape:

• New home starts have stayed steady year over year

• Homes priced under $300,000 now make up almost half of all new construction

• Builders are shifting their focus toward affordability

• The higher priced segments of the market are contracting, not expanding

This tells us that builders understand where buyers are and are adjusting to meet demand. When affordability rises and options increase, buyers gain leverage. It creates opportunity that did not exist even a year ago.

Why This Matters for Relocating Families and VA Loan Users

If you are moving to San Antonio, especially on military orders, this trend works in your favor. More homes under $300,000 means more options, better locations, and the chance to lock in a home with real long term value.

For VA loan users, this becomes even more powerful. A $300,000 home paired with a VA loan means zero down payment, a competitive interest rate, and a monthly payment that may be lower than renting in many parts of the city.

For first time buyers coming out of renting, this is the best environment to begin building equity without overstretching your budget.

What Buyers Should Be Doing Right Now

Affordability is rising, but strategy still matters. Here is what I recommend to every buyer in this price point:

Get pre approved early
You want to be ready the moment the right home hits the market. Homes under $300,000 move quickly and being prepared makes all the difference.

Study the submarkets inside San Antonio
Some areas provide stronger long term value, better schools, and easier commutes. Knowing which neighborhoods to target keeps you ahead of the pack.

Take advantage of builder incentives
Builders in this price range are offering rate buydowns, closing cost help, and upgrade packages. These incentives change weekly, and knowing which builders are offering what can save you thousands.

Be flexible with features that do not affect long term value
Focus on layout, location, and condition first. Cosmetic items can always be changed later. The best deals go to buyers who keep the big picture in mind.

Smart preparation creates leverage. This is the type of market where buyers who move intentionally get the best opportunities.

The Bottom Line

San Antonio is one of the few markets in Texas where affordability is making a comeback. With new construction under $300,000 on the rise, military families, first time buyers, and VA loan users are in an incredible position to secure a home that fits both their budget and their long term goals.

If you want updated lists of homes under $300,000, neighborhood recommendations, or a breakdown of your VA loan benefits, reach out and I will guide you through each step.

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