Wondering how far $350,000 really goes in Seguin? You are not alone. If you want a comfortable home with a manageable payment and a reasonable commute, Seguin can deliver strong value at this price point. In this guide, you will see the types of properties you can expect, sample monthly payments, lifestyle tradeoffs, and a smart checklist to keep your search on track. Let’s dive in.
Quick snapshot: What $350K means in Seguin
In Seguin, $350,000 is often at or above the local median price range and typically buys a comfortable single-family home rather than a small condo. What you get depends on home size, age and condition, lot size, and proximity to downtown or major highways. Exact market figures change often, so it is important to confirm current data through the local MLS and the Guadalupe County Appraisal District before you make offers or set a list price.
Texas homeownership costs are shaped by several recurring items beyond your mortgage. Property taxes, homeowner’s insurance, and any HOA dues can materially change your monthly total. If you are comparing options, keep the full payment in view as you evaluate upgrades, location, and commute.
What $350,000 buys: 5 realistic scenarios
A. Move-in ready single-family home
- Typical features: 3 to 4 bedrooms, 2 baths, about 1,400 to 2,200 square feet.
- Age and condition: Often built between 1990 and 2015, with the possibility of newer homes in some subdivisions.
- Lot size: About 0.15 to 0.4 acres, with smaller lots closer to central Seguin.
- Why it works: Good fit for primary-residence buyers who want space, comfort, and the ability to move in without major projects.
B. Builder new construction or spec home
- Price band: Many builders offer 3 to 4 bedroom homes in the $300,000 to $400,000 range depending on floor plan and incentives.
- Pros: Modern layouts, energy-efficient systems, and a builder warranty.
- Watch for: Lot premiums, HOA rules and dues, and potential build timelines if you are not buying a quick move-in.
- Tip: Ask about current incentives and closing cost help before you sign.
C. Home with land or acreage option
- What to expect: An older home, manufactured home, or modular home on roughly 1 to 5 acres on the outskirts of Seguin.
- Tradeoffs: You gain privacy and space but may face longer drives to amenities and services.
- Due diligence: Confirm zoning, septic vs. sewer, well vs. city water, and any floodplain status with county records.
D. Higher-end finishes on a smaller footprint
- The play: A smaller home with upgraded interior finishes in a newer subdivision.
- Value angle: You get nicer materials and design details without paying for extra square footage or land.
- Consider: HOA rules, yard size, and your long-term space needs.
E. Small investment or duplex opportunity
- Possibility: A small duplex or rental-focused property may be feasible at this price, depending on condition and location.
- Homework: Analyze rents, vacancy, maintenance, and your target cap rate. Speak with local property managers for realistic numbers.
Monthly cost examples at $350,000
The following are hypothetical examples to help you frame a budget. Always confirm current interest rates, taxes, and insurance for your specific property and loan type.
- Assumptions used below: Purchase price $350,000; 30-year fixed rate at an example 6.5%; estimated property taxes at 2.0% of price per year; estimated homeowners insurance $1,200 per year. Rates change often, so check the latest trends in the weekly rate survey from Freddie Mac before you run numbers.
Example 1: 20% down conventional
- Down payment: $70,000; loan amount $280,000.
- Principal and interest at 6.5%: about $1,770 per month.
- Estimated property tax: about $583 per month.
- Estimated insurance: about $100 per month.
- Estimated total PITI: about $2,453 per month, plus any HOA dues.
Example 2: 3.5% down FHA
- Down payment: $12,250; loan amount $337,750.
- Principal and interest at 6.5%: about $2,135 per month.
- Add taxes and insurance as above: estimated total about $2,818 per month, plus FHA mortgage insurance and any HOA dues.
Example 3: VA loan for eligible buyers
- Down payment: 0 to 5% typical depending on your benefit and lender.
- Payment will vary with the VA funding fee and rate; taxes and insurance still apply.
- Ask your lender for a personalized quote and full VA breakdown.
What changes your payment most:
- Property tax rate: Texas uses local property taxes and rates vary by location and school district. Small boundary changes can alter your tax bill.
- Insurance: Age of home, roof condition, and floodplain proximity matter.
- HOA dues: Some newer subdivisions add monthly or annual costs.
- Loan type and down payment: FHA, VA, USDA, and conventional loans all have different costs and insurance rules.
Neighborhoods and lifestyle tradeoffs
Central Seguin and downtown
- Appeal: Proximity to shops, parks, and historic charm.
- Tradeoffs: Smaller lots are common, and price per square foot can be higher near the center of town.
- Good fit: Buyers who value convenience, character, and being close to community events.
I-10 corridor subdivisions
- Appeal: Newer construction, community amenities like pools and playgrounds, and more predictable floor plans.
- Tradeoffs: HOA rules and ongoing development nearby.
- Good fit: Buyers who want a modern home and a more direct commute toward San Antonio and regional job centers.
Rural fringe and acreage
- Appeal: Space, privacy, and room for hobbies or animals.
- Tradeoffs: Longer drives for groceries and services; confirm utilities, septic, and water source early.
- Good fit: Buyers who prioritize land and do not mind extra drive time.
Commute and growth snapshot
Seguin sits within regional reach of San Antonio via I-10. Drive times vary by traffic, so test your commute during the times you would actually travel. For updates on local employers and economic activity, review announcements from the City of Seguin and the Seguin Economic Development Corporation.
Your buyer’s checklist for $350K
Use this list to keep your search efficient and your costs predictable.
- Confirm comps and timing: Ask for the latest MLS comps within 1 mile and 90 days, plus average days on market and the sale-to-list ratio.
- Verify property taxes: Look up the combined rate for the city, county, school district, and any special districts. Use the home’s assessed value to estimate the annual bill, then divide by 12.
- Check HOA details: Dues, rules, transfer fees, and what is covered.
- Review utilities: Electric provider, average monthly bills, water source, sewer vs. septic.
- Assess insurance: Roof age, wind and hail exposure, and whether the property is in or near a floodplain.
- Confirm school boundaries: Verify current assignments through the local district. Boundaries and ratings can change.
- Builder incentives and timelines: If new construction, ask about closing cost help, rate buydowns, and realistic delivery dates.
- Walk the commute: Drive during rush hour and try alternate routes.
Is $350K right for investors?
It can be, depending on your goals. At this price, you may find a small duplex or a single-family rental in an established subdivision. To evaluate the numbers, compare expected rent, vacancy assumptions, property taxes, insurance, maintenance, and any HOA restrictions. We recommend speaking with a local property manager to stress test rent and expense assumptions before you buy.
Tips for sellers listing near $350K
- Price with precision: Use 3 to 6 recent, true comparable sales and account for lot size, updates, and location.
- Present well: Professional photos, curb appeal, and light touch-ups in kitchens and baths can pay off.
- Time the market: Days on market and months of supply shift with seasonality. If inventory is tight, expect stronger offers; if it is higher, prepare for negotiation on price or repairs.
- Inspect pre-list: A pre-list inspection can surface issues early and reduce surprises under contract.
Work with a local guide
If you want to see exactly what $350,000 buys in Seguin this month, a personalized list of active homes and recent sold comps will give you the clearest picture. For data-backed guidance, neighborhood insights, and steady communication from first tour to closing, connect with Esther Talley. Let’s make your Seguin move simple and confident.
FAQs
Can I buy a 4-bedroom home in Seguin for $350K?
- Often yes, especially in established subdivisions, but size, finishes, and lot dimensions will vary, so review current MLS comps to confirm.
How much do property taxes add to my payment in Seguin?
- Property taxes are a significant part of the monthly cost in Texas; estimate the annual bill using the combined local tax rate and the home’s assessed value, then divide by 12.
Should I choose new construction or a resale home at $350K?
- New builds offer warranties and modern layouts, while resales may offer larger lots or mature trees; compare incentives, HOA rules, and timelines before deciding.
Is Seguin a good place to invest around $350K?
- It can be, but run a full rental pro forma that includes taxes, insurance, maintenance, and vacancy, and consult local property managers for realistic rent estimates.
What other monthly costs should I plan for beyond principal and interest?
- Budget for property taxes, homeowners insurance, any HOA dues, utilities, and potential mortgage insurance if your down payment is under 20 percent.
