San Antonio Real Estate Market 2025: Why Low Interest Rates and Record-High Home Values Make Now the Time to Buy or Sell

The San Antonio real estate market in 2025 has delivered an unexpected but exciting twist for both buyers and sellers. With interest rates sitting at their lowest point of the year and home values—both average and median—reaching all-time highs, this unique combination has created one of the most favorable markets we’ve seen in years.

At Garza Home Team at Keller Williams City View, we’ve been helping clients navigate market shifts for over 20 years, and this moment is truly one of opportunity. Whether you’re a buyer looking to maximize your purchasing power or a seller considering cashing in on your equity, here’s what you need to know about the current market.

📉 Interest Rates: Lowest of the Year

After years of rate hikes and economic uncertainty, 2025 has brought relief for homebuyers. Interest rates are sitting at their lowest point of the year, which means:

• Buyers can qualify for larger loans without increasing their monthly payments.

• First-time buyers finally have a chance to enter the market at a more affordable rate.

• Move-up buyers can transition into their dream home while keeping borrowing costs manageable.

Lower interest rates don’t just increase affordability—they also increase competition. More buyers are stepping off the sidelines, creating a sense of urgency for those waiting to make their move.

🏡 Home Values: Highest Ever

While buyers are celebrating lower interest rates, sellers have plenty to smile about, too. Home values in San Antonio have reached record highs, and that translates directly into more equity.

If you’re a homeowner, this means:

• Your equity has never been worth more.

• You may be able to sell and upgrade without adding much to your monthly payment.

• Downsizing could unlock even more financial freedom.

For sellers, today’s market conditions mean you can attract motivated buyers while still commanding top dollar for your property.

🤝 What This Means for Buyers

If you’ve been holding back, now is your chance. With interest rates at their lowest point of the year, your borrowing power is stronger than it’s been in months. That means you could:

• Afford more home for the same budget.

• Lock in a historically favorable rate before conditions change.

• Gain an edge in competitive neighborhoods across San Antonio.

Whether you’re searching for a starter home, an investment property, or your forever home, this is your window of opportunity.

📈 What This Means for Sellers

If you’ve been waiting for the “right time” to sell, you’re in it. With home values at all-time highs and buyer demand fueled by low interest rates, your property has never been more appealing.

Selling in today’s market means:

• More buyers competing for your home.

• A higher chance of multiple offers.

• The ability to unlock equity and upgrade, downsize, or relocate with confidence.

At Garza Home Team Keller Williams City View, we help sellers strategize pricing, staging, and marketing to ensure you get the strongest return on your investment.

🕒 Why Timing Matters

Real estate markets are always shifting, and this window of opportunity won’t last forever. Interest rates may rise again later in the year, and home values could stabilize. Acting now allows both buyers and sellers to take advantage of this unique alignment of low rates and high values.

The key is to understand your personal goals and run the numbers with an experienced San Antonio REALTOR® who knows the local market inside and out.

💡 The Bottom Line

2025 has created a rare moment in the San Antonio real estate market:

• 📉 Interest rates at their lowest point of the year

• 🏡 Home values at record highs

For buyers, this means more affordability. For sellers, it means maximizing equity. For everyone, it means now is the time to explore your options.

At Garza Home Team San Antonio Real Estate, we pride ourselves on integrity, professionalism, and local expertise. Whether you’re buying your first home, moving up, or selling to start a new chapter, we’re here to guide you through the process with honesty and dedication.

📲 Ready to Make Your Move?

Don’t wait for this market window to close. Contact the Garza Home Team at Keller Williams City View today for a personalized consultation. We’ll help you:

✔️ Calculate your borrowing power
✔️ Determine your home’s true market value
✔️ Create a plan that fits your lifestyle and goals

Your future in San Antonio real estate starts now—let’s make it happen together.