The story of this market
The typical home in ZIP 78013 sells for about $774,000, or $434 per square foot.
Prices are down 24.1% from a year ago, which gives buyers more room to negotiate. Homes take about 81 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,982 a month.
ZIP 78013 — Comfort
The 78013 housing market is currently experiencing a correction with significant year-over-year price declines and high days on market. High inventory levels relative to sales volume suggest a shift toward a buyer's market, driven by broader economic cooling in the region.
This ZIP is best suited for retirees, families seeking a rural lifestyle, and second-home buyers attracted to the Hill Country aesthetic and proximity to San Antonio.
Median prices moved down 24.1% year over year.
Homes spend a median of 81 days on market with 8.8 months of supply — a slower-moving market.
12% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.5% · poverty 8.2% — a stable, low-distress profile.
versus the prior ACS vintage
ZCTA 78013, Kendall County TX
The area is served by the Comfort Independent School District, which generally maintains a stable reputation within the rural Hill Country context.
The region faces risks associated with wildfire and flash flooding, typical of the Texas Hill Country, which influences local insurance premiums.
Economic momentum is driven by tourism, agriculture, and proximity to the San Antonio metro area, with limited large-scale industrial development.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Commuting primarily involves driving via I-10 toward San Antonio or Kerrville, with limited public transit options available.
The area features access to the Guadalupe River, local parks, and proximity to Hill Country wineries and historic downtown Comfort.
The rental market is characterized by limited inventory and a mix of long-term residential leases and short-term vacation rentals catering to tourists.
The local economy is anchored by tourism, small-scale agriculture, and service-sector businesses supporting the local community.
Development is primarily focused on low-density residential expansion and small-scale commercial improvements.
Parcels are subject to Comfort ISD taxes and various county-level special districts for emergency services and water management.
Property insurance costs are influenced by regional wildfire and storm risk profiles common to the Texas Hill Country.
Data retrieved from US Census Bureau ZCTA 78013 profiles.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Provides recreational opportunities including swimming, fishing, and kayaking.
Features historic architecture, local boutiques, and dining establishments.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.