Real Estate Investing in Cibolo, Texas (78108)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Guadalupe County • Population: 48,458 • Data updated: September 2026

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Should you buy in 78108 (Cibolo, TX)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (81/100)

Solid choice — stable market with a reasonable entry point and good rental backup if you ever need to move.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A cash-flow market — rent-to-price math works from day one, though value growth is modest. Great for income-focused investors.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Cibolo, TX (78108)?

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3.0/ 5

Investability

Overall investment appeal

1.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $331,297
Avg Monthly Rent $1,742
1% Rule ✗ Does Not Meet
Median Income $111,863
% Renters 15.6%

Market Analysis: 78108 Cibolo

The 78108 ZIP in Cibolo, TX is a local-operator market. Outside capital chasing a $331K entry has to pair deep knowledge with the discount.

The 78108 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.

Regionally, 78108 sits on the difficult end of the TX spectrum. The worth a close look for read — for disciplined operators — is that pricing reflects the difficulty.

Employment concentration in 78108 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

The 78108 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Cibolo:

B Good
Buy Confidence Score: 72/100
Affordability
20/25
Appreciation
14/25
Stability
13/20
Timing
10/15
Rental backup
15/15
Affordability
Affordable
Homes cost 3× the median income
Value Trend
Declining (-0.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,742/mo if you need to move
Market Conditions
COOL
More inventory, negotiating room for buyers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
❄️
COOL MARKET
San Antonio-New Braunfels, TX Metro Area
More inventory, negotiating room for buyers
88 days
Average time to sell
Slow
9.7%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from San Antonio-New Braunfels, TX metro data
🏠

Property Strategy for 78108

Which property type performs best in this market?

Best for Cash Flow
2BR
7.4% cap rate
Best for Appreciation
2BR
+4.5% 5yr CAGR
Best Overall Value
5BR
$80,098/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $207,137 $2,140 7.4% +4.5% $103,568
3BR $282,468 $2,750 7.0% +4.5% $94,156
4BR $349,275 $3,200 6.6% +4.4% $87,319
5BR $400,489 +4.2% $80,098

Market Trends

Home Value History (with trend line)

$380K$343K$306K$268K$231K$194KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$1,939$1,811$1,684$1,557$1,430$1,302Jul 2016Jul 2021Jul 2026

📊 How Does 78108 Compare?

Metric 78108 Cibolo San Antonio-New Braunfels, TX Texas
Home Value $331,297 $331,297 N/A $297,000
5-Year CAGR 1.8% 1.8% N/A 5.4%
Avg Rent $1,742 $1,742 N/A -
Cap Rate 4.1% 4.1% - -
💡 Why Invest in 78108? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 78108 (Cibolo, TX). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.1%
Fair
5yr Growth
+1.8%
Slow

📊 Market Snapshot

Home Value $331,297
Monthly Rent $1,742
Price-to-Rent 15.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.3%
Cap Rate 4.1%
5-Year IRR 5.9%

📈 Home Appreciation

1-Year -0.4% ▼
3-Year CAGR -2.1% ▼
5-Year CAGR +1.8% ▲
10-Year CAGR +3.4% ▲

🏠 Rent Trends

1-Year -6.7% ▼
3-Year CAGR -1.3% ▼
5-Year CAGR +1.4% ▲
Negative Leverage — IRR / Tax Play Cap Rate: 4.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.1%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
4.5%
Low risk
Landlord Climate
5.0/5
Friendly
Value Trend (5yr)
+1.8%
Flat
Eviction process: Fast Rent control: Favorable

Demographics in 78108

Population: 48,458

💰 Median Household Income
$111,863
This area
$111,863
State
$70,593
USA
$74,580
🏠 Renter Occupied
15.6%
This area
15.6%
State
29.5%
USA
34.0%
💼 Unemployment Rate
3.6%
This area
3.6%
State
-25.4%
USA
3.7%
🎓 College Educated
37.4%
This area
37.4%
State
-5.8%
USA
33.7%
👤 Median Age
35.5 years
This area
35.5 years
State
-3.7 years
USA
38.9 years
🏚️ Vacancy Rate
4.5%
This area
4.5%
State
18.3%
USA
10.5%
👥 Population by Ethnicity
White 58.6%
Other/Mixed 23.0%
Hispanic/Latino 16.8%
Black/African American 15.0%
Asian 3.3%
👶 Under 18
28.5%
This area
28.5%
USA
22.0%
👴 65 and Over
11.1%
This area
11.1%
USA
17.3%
📊 Poverty Rate
2.7%
This area
2.7%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 78108

B Avg School Grade
9 Schools
15.3:1 Avg Class Size
$11,720 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

LEGACY TRADITIONAL SCHOOL - CIBOLO

📚 Pre-K – 08 School Charter
👥
736 Students
👨‍🏫
15.3:1 Class Size
💰
$19,785 Per Student
B Good

BARBARA JORDAN INT

📚 05 – 06 School
👥
769 Students
👨‍🏫
14.7:1 Class Size
💰
$10,661 Per Student
B Good

CIBOLO VALLEY EL

📚 Pre-K – 04 Elementary
👥
657 Students
👨‍🏫
14.3:1 Class Size
💰
$10,661 Per Student
B Good

ELAINE S SCHLATHER INT

📚 05 – 06 School
👥
682 Students
👨‍🏫
14.2:1 Class Size
💰
$10,661 Per Student
B Good

WATTS EL

📚 Pre-K – 04 Elementary
👥
513 Students
👨‍🏫
12.9:1 Class Size
💰
$10,661 Per Student
B Good

WIEDERSTEIN EL

📚 Pre-K – 04 Elementary
👥
546 Students
👨‍🏫
14.3:1 Class Size
💰
$10,661 Per Student
B Good

SST SCHERTZ

📚 Pre-K – 07 School Charter
👥
859 Students
👨‍🏫
16.5:1 Class Size
💰
$11,072 Per Student
C+ Average

DOBIE J H

📚 07 – 08 Middle
👥
1,316 Students
👨‍🏫
17.9:1 Class Size
💰
$10,661 Per Student
C Below Average

BYRON P STEELE II H S

📚 09 – 12 High School
👥
2,700 Students
👨‍🏫
17.5:1 Class Size
💰
$10,661 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

7 Nearby 1,967 Off-Campus Students
C
Northeast Lakeview College
8,265 students · 6.5 mi
C
Top of the Line Barber School
98 students · 10.1 mi
D
Deluxe Barber College
103 students · 10.9 mi
C+
William Edge Institute
40 students · 11.2 mi
C
Texas Lutheran University
1,361 students · 14.3 mi
C
Aveda Arts & Sciences Institute-San Antonio
256 students · 14.6 mi
C
Paul Mitchell the School-San Antonio
352 students · 14.9 mi

Investor Insight: With 1,967 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What is the best play in Cibolo, TX?

For Cibolo, TX, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.

How qualified is the tenant pool in Cibolo, TX?

The tenant pool in Cibolo, TX is solid, supported by local employment and population fundamentals. Rents of $1,742/mo are well-absorbed by the market.

Is Cibolo, TX a smart market for rental property?

With a 3.0/5 investability score, Cibolo, TX ranks as a solid market for rental property investors. Median prices of $331K and rents of $1,742/mo drive the underlying numbers.

Is Cibolo, TX good for landlords?

Cibolo, TX falls under TX landlord-tenant law, which is landlord-friendly. That backdrop makes day-to-day property management reasonable.

Are there empty rentals in Cibolo, TX?

Cibolo, TX sees elevated vacancy, which is reasonable relative to the broader TX rental market.

You know 78108 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 78108 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 78108 ranks in San Antonio-New Braunfels, TX

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable → 1% Rule →
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