HomeTexasBexar CountySchertz
Schertz, Texas: commercial real estate data.
Schertz is a Census city of 44,050 people across 33.13 square miles of land, lying across Bexar County and Guadalupe County and Comal County. Median household income is $99,948, 78.4 percent of occupied homes are owned, and the SBA record carries 59 7(a) approvals to borrowers here worth $53.8 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Schertz
What Schertz is
- Census place typecity
- Land area33.13 sq mi
- Water area0.18 sq mi
- Population per square mile of land1,330
- County holding the largest share of its areaBexar County, 40.6 percent
- Counties this place lies inBexar County 40.6 percent, Guadalupe County 36.8 percent, Comal County 22.6 percent
Schertz crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schertz
How many people live in Schertz
- Population44,050
- Median age38.6
- Population under 1810,107
- Share under 1822.9 percent
- Population 65 and over5,992
- Share 65 and over13.6 percent
- Households15,903
- Family households12,041
- Share of households that are families75.7 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schertz
Income and work in Schertz
- Median household income$99,948
- Per capita income$43,174
- Civilian labor force21,677
- Employed20,328
- Unemployed1,349 plus or minus 368
- Unemployment rate6.2 percent plus or minus 1.7
- Adults 25 and over30,151
- Adults 25 and over with a high school diploma or higher94.2 percent
- Adults 25 and over with a bachelor degree or higher39.8 percent
- Adults 25 and over with a graduate degree15.0 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schertz
Housing in Schertz
- Housing units16,573
- Occupied units15,903
- Vacant units670 plus or minus 244
- Vacancy rate4.0 percent plus or minus 1.5
- Owner occupied12,463
- Renter occupied3,440
- Ownership rate78.4 percent
- Median owner-occupied home value$317,100
- Median gross rent, monthly$1,659
- Annual rent as a share of median income19.9 percent
- Single family units14,352
- Share single family86.6 percent
- Units in buildings of two or more1,637 plus or minus 349
- Share in buildings of two or more9.9 percent plus or minus 2.1
- Mobile homes572 plus or minus 224
- Median year structure built2002
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schertz
How Schertz gets to work
- Workers 16 and over who commute17,777
- Commuting under 15 minutes3,291
- Share commuting under 15 minutes18.5 percent
- Commuting 30 minutes or more8,881
- Share commuting 30 minutes or more50.0 percent
- Drove alone73.4 percent
- Carpooled9.2 percent plus or minus 2.0
- Public transport0.0 percent
- Walked0.8 percent plus or minus 0.7
- Worked from home15.6 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Schertz
SBA loans in Schertz (7(a))
- Approvals59
- Gross approval$53,801,500
- Average approval$911,890
- Median approval$340,300
- Ninetieth percentile approval$2,660,800
- Largest approval$5,000,000
- Jobs supported906
- Jobs per approval15.4
- Loans with a final outcome9
- Paid in full9
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more8.5 percent
- Share to franchises20.3 percent
- Distinct lenders33
- Distinct industries by NAICS36
Counted by borrower city: approvals to borrowers whose address is in Schertz, in any county, FY2020 to FY2026. Only 9 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Schertz
SBA loans in Schertz (504)
- Approvals13
- Gross approval$10,141,000
- Average approval$780,077
- Median approval$506,000
- Largest approval$3,220,000
- Jobs supported139
- Loans with a final outcome4
- Charged off0
- Median term240 months
- Distinct CDCs5
Counted by borrower city: approvals to borrowers whose address is in Schertz, in any county, FY2010 to FY2026. Only 4 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Schertz
Flood risk in Schertz
- NFIP communityCity of Schertz
- NFIP community number480269
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date09/29/10
The City of Schertz participates in the National Flood Insurance Program as community 480269 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Bexar County, not Schertz
Bexar County context, not Schertz figures
- Establishments in Bexar County39,726
- Covered employment, Bexar County932,387
- Average annual pay, Bexar County$65,875
- Housing units permitted, Bexar County8,349
Every figure in this section is published for Bexar County as a whole and is not a measurement of Schertz.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Schertz questions, answered from the record.
How many people live in Schertz, Texas?
44,050, in 15,903 households. Schertz city covers 33.13 square miles of land, which is 1,330 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Schertz in?
Schertz lies in more than one. By area it is 40.6 percent in Bexar County, 36.8 percent in Guadalupe County, 22.6 percent in Comal County. This page sits under Bexar County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Schertz?
$99,948. The median owner-occupied home is valued at $317,100. Median gross rent is $1,659 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Schertz businesses?
59 7(a) approvals totaling $53.8 m since FY2020, across 33 lenders, median approval $340,300, plus 13 504 approvals worth $10.1 m since FY2010. These count approvals to borrowers whose address is in Schertz, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Schertz borrowers get paid back?
No rate is published for Schertz. Only 9 loans have reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Schertz in the National Flood Insurance Program?
Yes. Schertz appears in the FEMA Community Status Book as Schertz, city of, community 480269, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Schertz figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Bexar County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Schertz.
Is zoning published for Schertz?
No. Nothing on this page presents parcel level zoning.