SAN ANTONIO – San Antonio homebuyers looking in the city’s North and West sides may find themselves locked out of an increasing number of areas.

Over the course of the pandemic, nine San Antonio ZIP codes became prohibitively expensive for median income households: four on the North Side, four on the Far West Side, and one in the Lone Star district downtown.

This is calculated using a 30% debt-to-income ratio – which the U.S. Department of Housing and Urban Development says is the threshold for affordability – pre-pandemic and post-pandemic median home prices and income figures, and a 30-year mortgage rate of 5.1%.

By this measure, 45% of San Antonio ZIP codes are technically unaffordable for median income households.

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