If you’re a veteran or active-duty military member eyeing a move to Schertz, Texas, you’ll find more than just a place to live—you’ll find a vibrant community that truly values its military roots.
Schertz offers easy access to Randolph Air Force Base, a lower-than-average cost of living, and abundant support resources for veterans. Whether you’re seeking a budget-friendly starter home or a larger property near top-rated schools, Schertz provides something for every lifestyle.
In this guide, we’ll explore the best neighborhoods, discuss the benefits of VA loans, and highlight community features that make Schertz a prime destination for veterans.
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Why Schertz, TX Is Great for Veterans
Located northeast of San Antonio, Schertz has a proud military heritage. According to the City of Schertz official website, a large percentage of local residents have served in the Armed Forces, fostering a tight-knit, supportive community. Many choose Schertz because it’s only minutes from Randolph Air Force Base (ideal for living near Randolph AFB) and offers easy commutes to other military installations. The Schertz-Cibolo-Universal City ISD provides top-rated schools, a big plus for families. Additionally, veteran services and the VA Home Loan program are readily accessible, and the cost of living Schertz TX remains below many comparable cities nationwide.
The city also hosts several parks, trails, and community events, making it a vibrant place to settle. Moreover, Schertz’s affordability is well-documented, with home prices averaging around $364,000 as of 2025. When it comes to veteran-friendly neighborhoods, you’ll find a variety of Schertz TX homes for veterans that cater to different budgets and lifestyles.
- Military-Friendly Location: Just minutes from Randolph AFB with easy access to other San Antonio-area bases, ideal for active-duty and retired military.
- Supportive Community: High veteran population fosters a patriotic, tight-knit environment with local services tailored to military families.
- Affordable Housing: Median home price around $364,000 (2025), with many VA loan-approved homes available across diverse neighborhoods.
- Top-Rated Schools & Recreation: Zoned to SCUC ISD and home to parks, trails, and family-friendly events that enhance quality of life.
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Top Neighborhoods in Schertz for Veterans
Schertz, TX is a top destination for military families and veterans thanks to its proximity to Randolph Air Force Base, affordable housing, and strong sense of community. Whether you’re active-duty, recently retired, or using your VA benefits for the first time, the city offers a range of neighborhoods that combine convenience, value, and a welcoming atmosphere. Below are four standout options if you’re looking for the best neighborhoods Schertz TX veterans can call home:
The Crossvine
The Crossvine blends military convenience with modern suburban comfort, making it ideal for veterans and active-duty families stationed at Randolph AFB. With VA loan-friendly builders and new construction homes, this neighborhood simplifies the homebuying process. The Crossvine’s resort-style amenities, access to quality schools, and tight-knit community feel offer a smooth transition for service members moving to Schertz.
Key Highlights for Veterans:
- 5–10 minutes to Randolph AFB
- VA loan-friendly builders on-site
- Schertz-Cibolo-Universal City ISD
- Resort-style pool, trails, and community events
Belmont Park
Belmont Park offers affordability and community—a winning combo for first-time military homebuyers or transitioning veterans. With homes priced competitively and easy access to I-35, it provides a quick route to San Antonio and local VA services. The neighborhood’s green spaces and community pool foster a welcoming environment, especially for young families and those relocating from base housing.
Key Highlights for Veterans:
- Close to I-35 and South Texas VA Health System
- Affordable homes with 1,800–2,500 sq ft
- Active HOA and family-friendly amenities
- Short drive to Randolph AFB
Rhine Valley
Rhine Valley is a newer community that’s ideal for military families looking for charm, community, and convenience. Its proximity to Steele High School and pedestrian-friendly design make it a favorite among families. With distinctive architectural touches and access to walking trails, Rhine Valley provides a peaceful atmosphere and strong sense of place for those adjusting to civilian life.
Key Highlights for Veterans:
- Unique European-inspired community design
- Close to Steele High School (SCUC ISD)
- Easy VA loan compatibility
- Wide sidewalks, parks, and walking trails
Riata
Riata combines comfort and class in a quiet, upscale setting just minutes from Randolph AFB. Perfect for senior enlisted personnel, officers, or recently retired veterans, Riata’s spacious homes, high-end finishes, and neighborhood amenities offer long-term value. It’s a smart choice for veterans seeking both tranquility and strategic location in Schertz.
Key Highlights for Veterans:
- Spacious homes up to 3,000 sq ft
- Near Randolph AFB and major highways
- Luxury finishes and family amenities
- Strong resale value and community appeal
San Antonio Comparison Chart
| Neighborhood | Avg. Home Price | Home Size (sq. ft.) | Amenities | Distance to Randolph AFB |
|---|---|---|---|---|
| The Crossvine | $350,000 | 2,000–2,800 | Pool, trails, gardens | 5–10 min |
| Belmont Park | $300K–$400K | 1,800–2,500 | Pool, parks | 10–15 min |
| Rhine Valley | $340K–$450K | 2,000–2,600 | Trails, green spaces | 10–15 min |
| Riata | $400K–$550K | 2,200–3,000 | Pool, playgrounds | 5–10 min |
VA Loan Information in Schertz
Using a VA loan is one of the biggest financial advantages available to veterans, active-duty service members, and eligible surviving spouses. In Schertz, TX, this benefit becomes even more powerful due to the area’s affordable housing market, proximity to Randolph Air Force Base, and knowledgeable local professionals.
Many real estate agents and lenders in Schertz specialize in VA loans, helping military families navigate the process with ease. Whether you’re interested in a new construction home in The Crossvine or a resale in Belmont Park, there are plenty of VA-eligible options across the city.
The Texas VA loan limit for the San Antonio–New Braunfels metro area (which includes Schertz) typically covers most homes in the region without requiring a down payment. Veterans also benefit from no private mortgage insurance (PMI), competitive interest rates, and flexible credit requirements.
For more on eligibility, entitlements, and how to apply, visit the official VA Home Loan program page on VA.gov or consult the Texas Veterans Commission for local assistance and guidance.
Key VA Loan Benefits in Schertz:
- VA loans require no down payment required on most homes under the VA loan limit
- No private mortgage insurance (PMI), helping lower monthly payments
- Competitive interest rates and flexible VA credit score guidelines
- Local real estate professionals experienced with VA loan transactions
- Eligibility support available from the Texas Veterans Commission
- VA loan limit for 2025 is $806,500 in the Schertz metro area
Tips for Veterans Moving to Schertz
- Partner with a Knowledgeable Realtor: Look for an agent who has extensive experience with VA loans and understands the Schertz market.
- Research Schools: Check out Schertz-Cibolo-Universal City ISD ratings and specific campuses for your children.
- Explore Healthcare Options: The South Texas Veterans Health Care System in San Antonio is about 30 minutes away for specialized care.
- Join Local Veteran Organizations: Groups like VFW Post 8315 offer a sense of community and valuable resources.
- Plan Your Commute: Schertz sits conveniently along I-35, making it easy to reach San Antonio or New Braunfels.
- Leverage VA Benefits: VA disability compensation, education benefits, and local tax exemptions can further reduce living expenses.
- Attend Community Events: Schertz hosts festivals and gatherings that are great for meeting neighbors and fellow veterans.
- Set a Realistic Budget: Even with a VA loan, factor in HOA fees, property taxes, and home maintenance costs.
Schertz Housing Market Overview
Schertz offers a competitive yet accessible real estate market for veterans and military families. While it’s generally considered a seller’s market, homes remain relatively affordable compared to nearby San Antonio. Veterans using VA loans can still secure great deals—especially with many sellers familiar and comfortable with VA financing. The median list price sits around $364,000 as of 2025, with homes under $400,000 moving quickly due to high demand. The area also benefits from a cost of living roughly 4% below the national average, making it especially appealing for out-of-state buyers seeking value, stability, and proximity to Randolph Air Force Base.
Why Schertz Is a Strong Market for Veterans:
- Many homes qualify for VA loans, with sellers often welcoming VA-backed offers
- Median list price around $364,000 (2025), below nearby San Antonio
- Fast-moving market for homes under $400,000—ideal for first-time buyers
- Cost of living ~4% below U.S. average, offering long-term affordability
- Strong demand from military families keeps property values stable
- Local lenders and agents are experienced in VA loan processing
Schertz vs. San Antonio Housing Snapshot
| Metric | Schertz, TX | San Antonio, TX |
|---|---|---|
| Median List Price (2025) | $364,000 | $389,000 |
| Common VA Loan Acceptance | Yes – in most neighborhoods | Yes – with competitive bidding |
| Cost of Living vs. U.S. Average | ~4% Lower | ~2% Lower |
| Typical Home Price Range | $320,000 – $425,000 | $340,000 – $470,000 |
| Proximity to Randolph AFB | 5–10 minutes | 15–30 minutes (varies by area) |
The Bottom Line
Choosing Schertz, Texas, as your home town means becoming part of a tight-knit community with a strong military background and esprit de corps.
From living near Randolph AFB to enjoying well-maintained neighborhoods with a family-friendly atmosphere, Schertz provides the perfect mix of affordability, convenience, and lifestyle.
It’s no wonder so many veterans and active-duty military families make it their home. Add in top-ranked schools, plenty of VA loan choices, and a thriving community of fellow veterans and military folk, and you see why Schertz takes center stage.
As you make your way through these areas, trust local veteran services and real estate agents to facilitate a hassle-free transition.
Frequently Asked Questions
How do VA loans work for buying a home in Schertz, TX?
VA loans allow eligible veterans and service members to purchase homes in Schertz with no down payment, no PMI, and competitive interest rates. Local lenders are experienced in processing VA loans for military buyers relocating to or retiring near Randolph AFB.
Can I use a VA loan to buy new construction in Schertz?
Yes, many builders in Schertz—especially in neighborhoods like The Crossvine and Rhine Valley—accept VA financing. New construction homes must meet VA appraisal standards, and the builder must be VA-approved, which many in this area already are.
What is the VA loan limit in Schertz, TX?
As of 2025, Schertz follows the conforming loan limit of the San Antonio–New Braunfels metro area, often over $750,000. Qualified veterans with full entitlement can purchase homes above this limit without a down payment, if lender-approved.
Do sellers in Schertz accept VA loan offers?
Yes, most sellers in Schertz are familiar with VA loan buyers and open to accepting VA offers. Many homes in this area are marketed with military buyers in mind, especially near Randolph AFB and other veteran-friendly communities.
Are there special programs for veterans buying homes in Schertz?
Along with federal VA benefits, veterans in Schertz may qualify for programs from the Texas Veterans Land Board, offering competitive mortgage rates and down payment assistance. These can be combined with VA loans in most cases.
How long does it take to close on a VA loan in Schertz?
Most VA loans in Schertz close within 30 to 45 days, depending on lender speed and property conditions. Working with a local lender and VA-experienced agent can help avoid delays during the appraisal and underwriting stages.
Do I need a credit score to get a VA loan in Schertz?
While the VA does not set a minimum credit score, most Schertz-area lenders require at least a 620 score. Some lenders may approve lower scores based on income, assets, and overall financial profile of the borrower.
Can I use my VA loan benefits more than once in Schertz?
Yes, VA loan benefits are reusable. If you’ve used your entitlement before, you may still be eligible again in Schertz if the previous loan is paid off or partially restored. Many veterans buy multiple homes over time using VA benefits.
What are common closing costs on VA loans in Schertz?
VA loans limit what veterans can be charged, helping reduce total closing costs. In Schertz, many sellers or builders will cover allowable fees like title insurance or appraisal costs, lowering the out-of-pocket expense for veteran buyers.
Is Schertz a good place for veterans to buy a home?
Absolutely. Schertz offers affordable housing, a strong veteran community, proximity to Randolph AFB, and schools in SCUC ISD. It’s consistently ranked as one of the top military-friendly suburbs in the San Antonio area for homeownership and quality of life.
