Lowest Mortgage Rate near Me, San Antonio, TX 78245


Safety and Crime Rates in ZIP Code 78245

Overview of ZIP Code 78245

ZIP Code 78245 is located in San Antonio, Texas. It encompasses various neighborhoods and communities, providing a diverse range of residential, commercial, and recreational areas.

Crime Rate Statistics

Violent Crimes

Violent crimes include offenses such as homicide, rape, robbery, and aggravated assault. In ZIP code 78245, the violent crime rate has varied over recent years, with some fluctuations noted due to various factors such as law enforcement initiatives and community engagement.

  • Homicide Rate: Relatively low, but any incidents are cause for community concern and enhanced safety measures.
  • Robbery: Higher incidence in commercial areas, particularly during late hours.
  • Aggravated Assault: Often related to domestic disputes or altercations in public spaces.

Property Crimes

Property crimes are more prevalent in ZIP code 78245 and include burglary, larceny-theft, motor vehicle theft, and arson.

  • Burglary: Targets often include residential properties when occupants are not present.
  • Motor Vehicle Theft: Incidents generally occur in less-monitored parking areas.
  • Larceny-Theft: More common in densely populated areas and public venues.

Comparative Analysis

ZIP Code 78245 vs. San Antonio Citywide

When compared to the citywide statistics for San Antonio, ZIP code 78245 shows:

  • Higher Incidence of Property Crime: Reflective of a high percentage of vehicle thefts and burglaries.
  • Moderate Violent Crime Rate: Comparable to urban centers within the city but relatively higher than suburban areas.

ZIP Code 78245 vs. National Average

In comparison with the national average:

  • Violent Crime Rate: Below the national average, suggesting effective policing but remaining vigilant against potential upticks.
  • Property Crime Rate: Above the national average, indicative of specific local challenges.

Community Safety Initiatives

Neighborhood Watch Programs

Several neighborhoods within ZIP code 78245 have implemented Neighborhood Watch Programs to foster community cooperation in crime prevention. Residents are encouraged to report suspicious activities to local law enforcement promptly.

Law Enforcement Collaboration

The San Antonio Police Department (SAPD) collaborates closely with community leaders to address crime hotspots and conduct regular patrols in high-crime areas within ZIP code 78245. These efforts aim to enhance visibility and deter criminal activities.

Public Awareness Campaigns

Public awareness campaigns are periodically conducted to educate residents about safety precautions, such as securing properties, using anti-theft devices for vehicles, and personal safety measures.

Crime Prevention Tips

Residents of ZIP code 78245 are advised to follow these tips to enhance personal and property safety:

  • Keep doors and windows locked, even when at home.
  • Install security cameras and outdoor lighting.
  • Be vigilant about your surroundings and report any suspicious activities to the authorities.
  • Organize community meetings to discuss safety concerns and solutions.

Emergency Contacts

For immediate assistance or to report a crime, residents should contact:

  • San Antonio Police Department: Emergency – 911, Non-Emergency – (210) 207-7273
  • Crime Stoppers: (210) 224-STOP (7867)

Proximity to Essential Services for ZIP Code 78245

Healthcare Facilities

The ZIP Code 78245 is home to several healthcare facilities, ensuring residents have access to essential medical care. Key healthcare institutions include:

  • University Health System – Westside Clinic: A full-service clinic offering comprehensive healthcare services.
  • Christus Santa Rosa Hospital – Westover Hills: A leading hospital providing emergency care, specialized treatments, and inpatient services.

Schools and Educational Institutions

Residents in ZIP Code 78245 have access to numerous educational institutions, catering to different educational levels:

  • Mary Michael Elementary School: A public elementary school known for its strong educational programs.
  • John Folks Middle School: Offers diverse curricula for middle school students.
  • Brennan High School: Provides comprehensive high school education, including advanced placement courses.
  • Northwest Vista College: A community college offering various degree and certificate programs.

Shopping Centers and Grocery Stores

Convenience and accessibility to shopping centers and grocery stores are key benefits in ZIP Code 78245:

  • Alamo Ranch Shopping Center: Houses numerous retail stores, dining options, and entertainment facilities.
  • Walmart Supercenter: A one-stop-shop offering groceries, electronics, clothing, and more.
  • HEB Plus! Supermarket: A large grocery store with a vast selection of food products and household essentials.

Parks and Recreational Areas

Residents can enjoy various parks and recreational areas within ZIP Code 78245, including:

  • Heritage Duck Pond Park: Features a beautiful duck pond, walking trails, and picnic areas.
  • Government Canyon State Natural Area: Offers hiking, bird-watching, and other outdoor activities.

Public Transportation

Public transportation services in ZIP Code 78245 ensure residents can commute easily and affordably:

  • VIA Metropolitan Transit: Provides bus services with multiple routes traversing through the area.

Emergency Services

Access to emergency services is crucial, and residents of ZIP Code 78245 can rely on:

  • San Antonio Fire Department Station 45: Offers fire protection and emergency medical services.
  • San Antonio Police Department – West Substation: Ensures public safety and law enforcement services.

Quality of Local Schools in ZIP Code 78245

Public Schools in 78245

The ZIP Code 78245 in San Antonio, Texas, boasts a variety of public schools that provide quality education to the local community. These schools are part of the Northside Independent School District (NISD), which is one of the largest and most highly regarded districts in Texas. Parents and students have consistently praised the NISD for its strong academic curriculum, diverse extracurricular activities, and comprehensive support services.

Elementary Schools

Several highly-rated elementary schools serve the 78245 area:

  • Behlau Elementary School: Known for its strong academic programs and dedicated staff, Behlau Elementary offers a robust curriculum that encourages intellectual and social development.
  • Kriewald Road Elementary School: This school has gained acclaim for its innovative teaching methods and supportive learning environment, contributing to consistently high student performance.
  • Ott Elementary School: With a focus on building foundational skills, Ott Elementary stands out for its effective use of technology in the classroom and strong community involvement.

Middle Schools

Middle schools in 78245 emphasize not only academic excellence but also personal growth and social responsibility:

  • Luna Middle School: Luna Middle School is celebrated for its comprehensive academic programs, particularly in STEM (Science, Technology, Engineering, Mathematics) education. The school also offers a wide array of extracurricular activities.
  • Lieck Elementary School: Lieck Elementary has an impressive track record of preparing students for high school success through rigorous coursework and individualized attention.

High Schools

High schools in the 78245 area prepare students well for college and future careers through diverse academic programs and extracurricular opportunities:

  • Brennan High School: Automatically standout for its advanced placement (AP) programs and college preparatory courses, Brennan High School also excels in athletics and the arts, providing a well-rounded education.
  • John Jay High School: John Jay High offers specialized programs such as a Science and Engineering Academy, making it a great choice for students with specific academic interests and aspirations.

Charter and Private Schools in 78245

Charter Schools

The 78245 ZIP Code area also includes several reputable charter schools known for their unique educational approaches and high standards:

  • IDEA South Flores Academy: This charter school is praised for its college preparatory environment, strong academic performance, and commitment to personalized learning.
  • Harmony School of Excellence: Focusing primarily on STEM education, Harmony excels in providing students with a rigorous curriculum and hands-on learning experiences.

Private Schools

For families seeking private education, the 78245 area offers several esteemed options:

  • Northwest Hills Christian School: Known for its strong academic philosophy rooted in Christian values, this school aims to cultivate both intellectual and moral growth in students.
  • St. Anthony Catholic High School: This institution combines rigorous academics with a focus on faith-based education and community service, preparing students well for higher education and beyond.

Extracurricular and Specialized Programs

Schools in 78245 not only excel academically but also offer a wide range of extracurricular and specialized programs to cater to students’ varied interests and talents:

  • Sports Programs: Many schools have strong athletic programs that include football, basketball, soccer, track, and more. These programs are designed to promote teamwork, discipline, and physical fitness.
  • Arts and Music: From visual arts to choir, band, and theater, schools in this area provide ample opportunities for students to explore and grow their artistic talents.
  • STEM Education: Specialized STEM programs offer hands-on learning experiences in science, technology, engineering, and math, preparing students for future careers in these fields.
  • Advanced Placement (AP) and International Baccalaureate (IB) Programs: These programs enable high school students to undertake college-level coursework, often earning college credit while still in high school.

Public Transportation Access in ZIP Code 78245

Overview of Public Transportation Services

The ZIP Code 78245, located in San Antonio, Texas, benefits from a variety of public transportation options provided primarily by VIA Metropolitan Transit. These services aim to facilitate commuting and improve accessibility for residents across the area.

VIA Metropolitan Transit Services

VIA Metropolitan Transit is the major public transportation provider serving ZIP Code 78245. Key services include:

  • Bus Routes: Multiple bus routes operate within and around the 78245 area, providing connections to key destinations such as downtown San Antonio, major shopping centers, and academic institutions.
  • Park & Ride: Park & Ride facilities enable commuters to park their vehicles and transfer to public transport for the remainder of their journey, reducing traffic congestion and travel times.
  • Specialized Services: VIA offers additional services such as VIAtrans for individuals with disabilities, ensuring mobility and independence for all residents.

Key Bus Routes Serving 78245

Residents of 78245 have access to key bus routes that enhance connectivity across the region. Notable routes include:

  • Route 66: This route covers significant parts of Marbach Road and connects with various other transit lines, providing convenient access to critical areas.
  • Route 67: Serving Culebra Road, this line provides easy access to commercial zones and nearby schools, making it a popular choice among locals.
  • Route 65: Focusing on Military Drive, Route 65 facilitates travel to commercial centers, residential zones, and job hubs.

Accessibility and Affordability

VIA Metropolitan Transit is committed to providing accessible and affordable transportation solutions for the 78245 community. Key aspects include:

  • Fare Options: VIA offers a variety of fare options, including reduced fares for students, seniors, and persons with disabilities. Monthly passes are also available for frequent riders, promoting cost savings and ease of use.
  • Service Accessibility: All buses are equipped with bicycle racks and are ADA compliant, ensuring accessibility for all passengers, including those with physical disabilities.
  • Real-Time Tracking: VIA’s real-time tracking through the VIA goMobile app enables passengers to plan their trips more effectively by providing up-to-the-minute information on bus locations and arrival times.

Future Developments and Projects

To enhance public transportation access and efficiency, several future projects are in the pipeline:

  • Network Redesign: VIA Metropolitan Transit is continually assessing and redesigning its network to better serve evolving community needs and to streamline transit operations.
  • Infrastructure Improvements: Planned improvements include the enhancement of bus stops, shelters, and other transit-related infrastructure to offer greater comfort and convenience to passengers.
  • Sustainability Initiatives: VIA is investing in sustainable practices by gradually integrating eco-friendly vehicles into its fleet, which will contribute to reduced environmental impact and promote sustainable commuting options.

Community Engagement and Feedback

VIA Metropolitan Transit emphasizes community engagement to tailor its services effectively. This includes:

  • Surveys and Feedback: Regular surveys and community feedback initiatives help VIA understand and address the needs and preferences of the 78245 residents.
  • Public Meetings: VIA conducts public meetings to discuss upcoming projects, receive input, and keep the community informed.
  • Volunteer Programs: VIA encourages volunteerism and community involvement to foster a collaborative effort in improving public transportation services.

Through continuous improvement and community-centric initiatives, the public transportation landscape within ZIP Code 78245 ensures efficient, reliable, and accessible commuting options for all residents.

Neighborhood Atmosphere in ZIP Code 78245

Community Overview

The neighborhood atmosphere in ZIP Code 78245, located in San Antonio, Texas, is characterized by a diverse and welcoming community. This area offers a blend of suburban tranquility and urban accessibility, making it ideal for families, professionals, and retirees alike.

Family-Friendly Environment

Families will find ZIP Code 78245 particularly appealing due to its excellent schools, safe streets, and numerous parks and recreational facilities. Notable schools include Mireles Elementary and Rayburn Middle School. The presence of family-oriented activities and community events fosters a close-knit atmosphere.

Outdoor Recreation

Residents of 78245 enjoy ample opportunities for outdoor recreation. Some popular spots include:

  • Potranco Creek Park: Offering trails, playgrounds, and picnic areas.
  • Millers Pond Park: Known for its fishing lake and sports fields.
  • Heritage Duck Pond Park: Ideal for bird watching and leisurely walks.

Shopping and Dining

Shopping and dining options in ZIP Code 78245 cater to a wide variety of preferences. Local shopping centers such as Alamo Ranch provide a mix of retail stores, groceries, and boutiques. Dining options range from casual eateries to more upscale restaurants, offering cuisines from Tex-Mex to international delicacies.

Accessibility and Commute

ZIP Code 78245 boasts excellent accessibility, thanks to its proximity to major highways like Loop 1604 and U.S. Route 90. Commute times to central San Antonio and other key areas are generally short, making this area convenient for daily travel.

Community Services and Facilities

The area offers a multitude of community services and facilities, including public libraries, healthcare centers, and community centers. The Pearl Military Family Center and Northwest Vista College provide educational and supportive services to residents.

Safety and Security

Safety is a top priority in ZIP Code 78245, with well-maintained public areas and a proactive local police presence. Community policing efforts and neighborhood watch programs contribute to a low crime rate, enhancing the overall sense of security for residents.

Housing Options

The housing market in 78245 offers a variety of options to suit different budgets and preferences. From modern apartments to single-family homes and townhouses, there’s something for everyone. Many neighborhoods feature homes with spacious yards and contemporary amenities.

Community Events and Culture

Cultural diversity is a hallmark of ZIP Code 78245, reflected in community events and local traditions. Annual events, cultural festivals, and farmers’ markets provide residents with opportunities to engage and celebrate the rich cultural tapestry of the area.

Environmental Considerations

The community is attentive to environmental sustainability. Parks and green spaces are well-preserved, and recycling programs are widely supported. Efforts to maintain clean and green public areas contribute significantly to the neighborhood’s pleasant atmosphere.

Public Transportation

Public transportation options are readily available, with multiple bus routes and nearby VIA Metropolitan Transit stations. This accessibility supports a less car-dependent lifestyle, making it easier for residents to navigate the area and beyond.


The neighborhood atmosphere in ZIP Code 78245 is a harmonious blend of community spirit, accessibility, and comfort. Whether you are looking for a family-friendly environment, diverse cultural experiences, or convenient urban access, this area offers it all.

Real Estate Market Trends for ZIP Code 78245

Overview of the 78245 Real Estate Market

The real estate market in ZIP code 78245, located in San Antonio, Texas, has been experiencing significant changes. This area is characterized by a mix of residential properties, including single-family homes, townhouses, and condominiums. Being part of a growing metropolitan area, this zip code represents both opportunities and challenges for buyers and investors.

Home Prices

Over the past year, home prices in 78245 have seen a steady increase. As of the latest data:

  • Median Home Price: $260,000, marking a 5% increase year-over-year
  • Price per Square Foot: $145, which is a 3% uptick from the previous year

Market Demand and Inventory

ZIP code 78245 is currently experiencing a seller’s market, driven by high demand and relatively low inventory.

  • Market Inventory: 1.5 months’ supply
  • Average Days on Market: 23 days, reflecting a faster turnover rate

This trend suggests that homes are selling quickly, and competitive offers are common.

Types of Properties

The market features different types of properties that appeal to a broad range of buyers:

  • Single-Family Homes: The most prevalent type, with a variety of styles and price ranges
  • Townhouses: Popular among first-time buyers and those looking for low-maintenance living
  • Condominiums: Limited availability but a growing segment

New Developments

New residential developments are contributing to the growth of the 78245 market. Noteworthy projects include:

  • Master-Planned Communities: These bring amenities like parks, schools, and shopping centers, enhancing the appeal of the area
  • Custom Home Builders: Catering to high-end buyers looking for personalized properties

Economic Factors

Several economic factors influence the real estate trends in 78245:

  • Employment Opportunities: Proximity to major employers in the San Antonio area fuels demand
  • Interest Rates: Fluctuating mortgage rates can affect affordability and buyer behavior
  • Population Growth: Steady population increase drives housing needs

Investment Opportunities

Given the market conditions, ZIP code 78245 offers promising investment opportunities:

  • Rental Properties: High demand for rentals provides steady income potential
  • Fix-and-Flip: Profitable for investors willing to renovate and sell homes quickly
  • Long-Term Appreciation: Consistent market growth suggests future value increase


The real estate market in ZIP code 78245 shows a robust and dynamic environment, offering varied opportunities for buyers and investors. Keeping an eye on market trends, economic factors, and new developments will be key to making informed decisions in this area.

Property Taxes in ZIP Code 78245

Overview of Property Taxes

ZIP Code 78245, located in San Antonio, Texas, faces varying property tax rates depending on several factors, including property type, local tax authorities, and valuation assessments. Understanding these components is crucial for property owners and prospective buyers.

Calculating Property Taxes

To calculate property taxes in ZIP Code 78245, multiply the assessed property value by the total tax rate. The total tax rate comprises various levies from different taxing authorities such as school districts, municipal bodies, and special districts.

Property Valuation

Assessor: The Bexar County Tax Assessor-Collector is responsible for determining property values.

Assessment Cycle: Property valuations are assessed annually. Homeowners receive a notice of appraised value every year, providing them an opportunity to dispute the assessment if they believe it is inaccurate.

Local Tax Authorities

  • Bexar County: One of the primary components of the property tax bill, with rates typically around 0.30%-0.35%.
  • San Antonio Independent School District (SAISD): Education taxes form the largest portion, commonly between 1-1.2%.
  • City of San Antonio: Municipal taxes fund city services and infrastructure, often ranging from 0.55%-0.60%.

Exemptions and Reductions

Several exemptions may reduce the taxable value of a property:

  • Homestead Exemption: Available to homeowners who use the property as their primary residence. It can reduce the taxable value by up to $25,000.
  • Over 65 Exemption: Senior citizens may receive additional reductions.
  • Disability Exemption: Offers tax relief to homeowners with disabilities.
  • Veterans Exemption: Various programs are in place for veterans and their families.

Payment Process

Property tax bills are typically mailed out in October, with payments due by January 31 of the following year. Late payments incur penalties and interest. Taxes can be paid via mail, online, or in person at designated tax offices.

Tax Disputes and Appeals

Notice of Protest: If you disagree with the appraised value, you can file a protest with the Bexar Appraisal District. The deadline for filing a protest is usually May 15 or 30 days after the notice is delivered.

Appraisal Review Board (ARB): The ARB reviews disputes and may adjust the property’s valuation if justified.

Affecting Factors

The key factors influencing property tax rates in ZIP Code 78245 include:

  • Real Estate Market: Rising property values can lead to higher assessments.
  • Local Government Budgets: Changes in municipal spending can impact tax rates.
  • Bond Measures: Voter-approved bonds for schools or infrastructure can temporarily increase property taxes.


Understanding property taxes in ZIP Code 78245 involves keeping abreast of property valuations, local tax rates, and applicable exemptions. Being aware of deadlines and the appeals process is essential for managing property tax obligations effectively.

Community Amenities in ZIP Code 78245

Parks and Recreational Facilities

ZIP Code 78245 boasts several parks offering ample green space and recreational activities for all age groups. Tom Slick Park is a popular 43-acre park featuring walking trails, a playground, and a fishing pond. Another notable park is Golden Community Park, which provides a basketball court, picnic areas, and a playground.

Additionally, Heritage Duck Pond Park is known for its serene atmosphere and well-maintained trails, making it perfect for leisurely walks and bird watching.

Shopping and Dining

The area is home to a variety of shopping centers and dining options. Residents often frequent Alamo Ranch Shopping Center, which offers a mix of national retailers, restaurants, and entertainment venues. Potranco Village Shopping Center features a selection of grocery stores, specialty shops, and casual dining establishments.

For culinary enthusiasts, numerous restaurants offer a diverse range of cuisines, from Mexican and Italian to Asian and American. Local favorites include:

  • Sea Island Shrimp House
  • 54th Street Grill & Bar
  • Chuy’s

Education and Libraries

The educational infrastructure within ZIP Code 78245 is robust, with a number of highly-rated schools and libraries serving the community. Bernard Harris Middle School and Briscoe Middle School are notable for their comprehensive academic programs and extracurricular activities. Luna Middle School is also well-regarded for its support of academic excellence and community involvement.

The Potranco Branch Library offers a variety of resources, including book lending, computer access, and educational workshops. The library also hosts community events and programs for both children and adults, fostering a love for reading and continual learning.

Healthcare Facilities

Residents in ZIP Code 78245 have access to a range of healthcare options, ensuring comprehensive medical care for the community. Christus Santa Rosa Hospital – Westover Hills is a leading medical facility offering emergency services, surgery, and specialized care.

Additionally, the Baptist Emergency Hospital provides 24/7 emergency services. Several clinics and urgent care centers, like CareNow Urgent Care and MedPost Urgent Care, are available for non-emergency medical needs, making healthcare easily accessible.

Fitness and Wellness Centers

Fitness enthusiasts will find a range of gyms and wellness centers in ZIP Code 78245. Gold’s Gym and Planet Fitness offer state-of-the-art equipment, group fitness classes, and personal training services. Lifetime Fitness also features extensive amenities, including indoor and outdoor pools, sports courts, and spa services.

For those seeking holistic wellness options, Yoga Bliss Studio provides yoga classes for all levels, as well as meditation sessions and workshops focused on mental and emotional well-being.

Community Events and Activities

Community events play a significant role in bringing residents together. The 78245 Community Center hosts a variety of events throughout the year, including seasonal festivals, holiday celebrations, and local markets. Weekly farmers markets are held to support local vendors and offer fresh produce to the community.

Regular activities, such as outdoor movie nights and fitness boot camps, are organized to encourage social interaction and promote a healthy lifestyle among residents.

Public Transportation and Accessibility

Public transportation in ZIP Code 78245 is facilitated by VIA Metropolitan Transit, offering bus routes that connect the community to major city hubs and neighboring areas. Key routes include:

  • Route 64 – US 90 Express
  • Route 660 – NW Vista / Ingram

Accessible transportation options for individuals with disabilities are provided through the VIAtrans service, ensuring that all residents can commute comfortably. Additionally, major highways such as Loop 1604 and Highway 90 are easily accessible, facilitating convenient travel by car within and outside the ZIP Code 78245 area.

Leave a Reply

Your email address will not be published. Required fields are marked *