Stone Oak TX Home Prices & Commission Data 2026
Key Takeaways:
Stone Oak is a master-planned community in northern Bexar County, Texas, straddling the San Antonio city limits approximately 18 miles north of downtown — one of the San Antonio metro's largest and most active residential markets
The community's median home price of $425,000 spans a wide range from $280,000 townhomes to $1.5 million estate properties, creating multiple farming segments within a single geographic zone
Approximately 1,400 annual residential transactions make Stone Oak the highest-volume premium market in the San Antonio metro, generating substantial commission opportunity for dedicated farming agents
North East ISD (NEISD) school quality anchors property values, with homes in top-rated attendance zones commanding 8-12% premiums over otherwise comparable Stone Oak properties
US Tech Automations helps agents farm Stone Oak's high-volume, multi-segment market with subdivision-level CRM tracking, school zone premium automation, and new construction pipeline management
Stone Oak Home Price Fundamentals
Stone Oak is a large master-planned community in northern Bexar County, Texas, located approximately 18 miles north of downtown San Antonio along the US-281 corridor in the San Antonio metropolitan area. The community spans portions of both incorporated San Antonio and unincorporated Bexar County, with development extending from Hardy Oak Boulevard north to the Comal County line, according to Bexar County geographic records.
What are home prices in Stone Oak TX? According to San Antonio Board of Realtors (SABOR) data, Stone Oak's median home price of $425,000 positions it as the San Antonio metro's premier high-volume premium market. Unlike smaller luxury enclaves like Alamo Heights ($685,000 median, 180 transactions), Stone Oak combines premium pricing with suburban-scale volume — 1,400 annual transactions that support multiple full-time farming agents, according to market comparison analysis.
| Price Indicator | Stone Oak TX | Alamo Heights TX | Helotes TX | San Antonio Metro |
|---|---|---|---|---|
| Median Sale Price | $425,000 | $685,000 | $395,000 | $275,000 |
| Average Sale Price | $465,000 | $745,000 | $420,000 | $310,000 |
| Price per Square Foot | $175 | $285 | $165 | $148 |
| Median List Price | $439,000 | $699,000 | $405,000 | $285,000 |
| Sale-to-List Ratio | 96.7% | 97.8% | 96.2% | 96.5% |
| YoY Appreciation | +3.8% | +3.2% | +4.1% | +3.5% |
According to SABOR data, Stone Oak's 3.8% year-over-year appreciation reflects steady demand driven by NEISD school quality, US-281 corridor employment growth, and continued new construction absorption. The $175 price per square foot — 18% above the metro average — reflects the community's amenity package (pools, parks, trails, retail) that justifies the premium over newer developments farther north, according to market premium analysis.
Stone Oak's 1,400 annual transactions at $425,000 median generate approximately $595 million in annual residential sales volume — the single largest concentration of residential transaction value in the San Antonio metro, according to SABOR volume analysis.
Price Distribution by Segment
| Price Range | Transaction Share | Buyer Profile | Avg. DOM |
|---|---|---|---|
| Under $300,000 | 12% | Townhomes, condos | 28 |
| $300,000–$375,000 | 22% | First-time premium buyers | 32 |
| $375,000–$450,000 | 28% | Core family market | 35 |
| $450,000–$600,000 | 22% | Move-up buyers | 40 |
| $600,000–$900,000 | 12% | Executive homes | 48 |
| $900,000+ | 4% | Estate/custom luxury | 65 |
Which price segment drives Stone Oak? According to SABOR transaction data, the $300,000–$600,000 range accounts for 72% of all Stone Oak transactions, creating a broad middle market that supports consistent farming activity. The sub-$300,000 segment — primarily townhomes and older condos — serves as the entry point for buyers who want the Stone Oak address and NEISD schools at lower price points, according to segment analysis.
According to new construction data, builders continue delivering homes in the $375,000-$550,000 range along Stone Oak's northern expansion areas — competing directly with resale inventory and creating a dynamic where agents must understand both resale and new-build economics to serve buyers effectively.
Price Analysis by Subdivision
| Subdivision | Median Price | Price/Sq Ft | Year Built | Annual Sales |
|---|---|---|---|---|
| The Heights at Stone Oak | $525,000 | $195 | 2008 | 85 |
| Stone Oak Park | $475,000 | $185 | 2005 | 110 |
| Sonterra | $510,000 | $190 | 2002 | 95 |
| Canyon Springs | $480,000 | $182 | 2004 | 75 |
| Stone Oak Vineyard | $390,000 | $168 | 2010 | 120 |
| Tuscany Heights | $365,000 | $160 | 2012 | 90 |
| Stone Oak Parke | $345,000 | $155 | 2015 | 105 |
According to SABOR subdivision-level data, The Heights at Stone Oak and Sonterra command the highest price-per-square-foot premiums among Stone Oak subdivisions — reflecting their amenity packages, lot sizes, and established landscaping. Stone Oak Vineyard and Tuscany Heights represent the value-oriented segments where first-time premium buyers enter the Stone Oak market, according to subdivision comparison analysis.
According to SABOR data, the $180 price-per-square-foot spread between Stone Oak's most and least expensive subdivisions ($155-$195) creates an internal move-up ladder where agents can serve clients through multiple transactions within the same community.
Historical Price Trends
| Year | Median Price | YoY Change | Annual Sales | New Construction % |
|---|---|---|---|---|
| 2021 | $380,000 | +12.5% | 1,450 | 22% |
| 2022 | $420,000 | +10.5% | 1,350 | 20% |
| 2023 | $415,000 | -1.2% | 1,300 | 18% |
| 2024 | $410,000 | -1.2% | 1,350 | 17% |
| 2025 | $425,000 | +3.7% | 1,400 | 16% |
According to SABOR historical data, Stone Oak experienced a typical pandemic cycle — strong appreciation in 2021-2022, modest correction in 2023-2024, and return to sustainable growth in 2025. The declining new construction share (22% to 16%) reflects the community's maturation as available lots diminish and the market shifts toward a resale-dominated environment, according to construction trend analysis.
Is the Stone Oak market overvalued? According to affordability analysis, Stone Oak's price-to-income ratio of approximately 4.2x (based on the community's $102,000 median household income) falls within sustainable ranges for premium suburban markets. The consistent 1,300-1,450 annual transaction volume through price cycles indicates genuine demand rather than speculative activity, according to demand sustainability modeling.
Commission and Agent Economics
| Commission Metric | Stone Oak TX | Bexar County | San Antonio Metro |
|---|---|---|---|
| Average Commission Rate | 5.1% | 5.15% | 5.2% |
| Agent-Side Commission | 2.55% | 2.58% | 2.6% |
| Commission per Transaction | $10,838 | $7,095 | $7,150 |
| Licensed Agents (Area) | 380 | — | — |
| Agents Closing 6+/Year | 85 (22%) | — | 25% |
What can agents earn farming Stone Oak TX? According to SABOR and TREC data, Stone Oak's $10,838 median commission combined with 1,400 annual transactions creates one of the deepest commission pools in the San Antonio metro. An agent capturing 1.5% market share (21 transactions) earns $227,600 in annual GCI — achievable through dedicated farming of a community this size, according to production analysis.
| Farming Strategy | Monthly Cost | Est. Deals | Annual GCI |
|---|---|---|---|
| Subdivision Focus (800 homes) | $900 | 5–8 | $54,190–$86,700 |
| Multi-Subdivision (2,000 homes) | $1,800 | 12–18 | $130,050–$195,080 |
| Stone Oak Dominant (5,000+ homes) | $3,500 | 25–35 | $270,940–$379,320 |
According to farming ROI analysis, Stone Oak's size supports multiple farming strategies — from focused subdivision farming to broad community dominance. US Tech Automations subdivision-level CRM segmentation ensures that each farming tier receives appropriately targeted messaging rather than one-size-fits-all campaigns.
School Zone Premium Analysis
| NEISD School | Rating | Zone Premium | Median Price |
|---|---|---|---|
| Johnson High School | A-rated | +12% | $485,000 |
| Reagan High School | A-rated | +10% | $460,000 |
| Bush Middle School | A-rated | +8% | $455,000 |
| Wilderness Oak Elementary | Exemplary | +10% | $470,000 |
| Stone Oak Elementary | Exemplary | +9% | $465,000 |
According to TEA ratings and SABOR data, school attendance zone boundaries create measurable price premiums within Stone Oak — homes zoned to top-rated elementaries command 8-12% premiums over comparable homes in adjacent zones. Agents who master zone boundaries and communicate school quality metrics gain a significant competitive advantage, according to school premium analysis.
Property Tax Analysis
| Taxing Entity | Rate per $100 | Annual Tax on $425,000 Home |
|---|---|---|
| City of San Antonio | $0.5471 | $2,325 |
| Bexar County | $0.2580 | $1,097 |
| NEISD | $1.1850 | $5,036 |
| University Health System | $0.2276 | $968 |
| Total Effective Rate | $2.22 | $9,426 |
According to Bexar County Tax Assessor records, Stone Oak's $2.22 effective rate produces a $9,426 annual tax bill on the median home — a figure agents should contextualize against the NEISD school quality that drives the majority of the tax burden. Texas's lack of state income tax means property taxes are the primary local tax obligation, according to tax comparison analysis.
Demographic Profile
| Demographic Indicator | Stone Oak TX | San Antonio Metro | Texas |
|---|---|---|---|
| Population (Community) | 85,000 | 2,650,000 | 30,500,000 |
| Median Household Income | $102,000 | $58,200 | $67,500 |
| Median Age | 38.5 | 34.2 | 35.1 |
| College Degree or Higher | 55% | 28% | 31% |
| Owner-Occupied Housing | 68% | 58% | 62% |
| Hispanic/Latino | 35% | 65% | 40% |
According to Census Bureau data, Stone Oak's $102,000 median household income and 55% college attainment rate place it firmly in San Antonio's upper-middle-class tier — affluent enough to sustain $425,000 median prices but broad enough to support 1,400 annual transactions. The 35% Hispanic population reflects San Antonio's demographics reaching into premium suburbs, creating marketing opportunities for bilingual agents, according to demographic analysis.
What is the average income in Stone Oak? According to Census Bureau data, Stone Oak households earning $102,000 at median face a 4.2x price-to-income ratio — sustainable for premium suburban markets, and well below stress thresholds that would signal overvaluation. This income-to-price alignment means Stone Oak buyers generally qualify with conventional financing and manageable DTI ratios, according to qualification analysis.
Inventory and Supply Trends
| Supply Metric | Stone Oak TX | North SA | SA Metro |
|---|---|---|---|
| Active Listings (Avg.) | 420 | 1,200 | 5,200 |
| Months of Supply | 3.2 | 3.5 | 3.8 |
| New Listings/Month | 120 | 350 | 2,800 |
| Absorption Rate | 80% | 76% | 72% |
| Expired/Withdrawn | 11% | 13% | 15% |
According to SABOR inventory data, Stone Oak's 3.2-month supply places it in seller-leaning territory — tighter than both the north San Antonio average and metro average. The 420 active listings at any given time provide sufficient selection for buyer agents while maintaining enough competition to keep sellers attentive to pricing, according to supply dynamics analysis.
According to SABOR data, Stone Oak's 11% expired/withdrawn rate means 89% of properly listed homes sell — a success rate that agents should communicate in listing presentations when demonstrating market strength.
USTA Platform Comparison for Stone Oak
| Feature | US Tech Automations | kvCORE | BoomTown | Ylopo |
|---|---|---|---|---|
| Subdivision-Level CRM | Per-subdivision tracking | Basic zones | No | No |
| School Zone Premium Alerts | Attendance zone matching | No | No | No |
| New Construction Tracking | Builder pipeline integration | Limited | No | No |
| Move-Up Buyer Automation | Internal migration sequences | Basic | Limited | Basic |
| Multi-Segment Campaigns | Price-tier targeting | Basic | Basic | Basic |
| Monthly Cost | $149–$399 | $499+ | $750+ | $395+ |
How to Farm Stone Oak TX Effectively
Segment your farming by subdivision rather than treating Stone Oak as monolithic. According to SABOR data, a $180/sq ft spread between subdivisions means buyers in Stone Oak Parke ($345,000) need fundamentally different messaging than Heights at Stone Oak ($525,000) buyers — US Tech Automations manages subdivision-level segmentation automatically.
Master NEISD school zone boundaries and quantify the 8-12% premium in buyer consultations. According to TEA data, school quality drives more Stone Oak transactions than any other single factor.
Track new construction absorption rates to advise resale sellers on competitive pricing. According to builder data, new homes in the $375,000-$550,000 range directly compete with resale inventory and affect DOM and pricing strategy.
Build a move-up pipeline within Stone Oak's internal price ladder. According to transaction patterns, 15-20% of Stone Oak buyers are moving up from within the community — from Tuscany Heights to Sonterra, for example.
Develop relocation expertise for military and medical professionals. According to employer data, Joint Base San Antonio and the Medical Center corridor are the two largest relocation sources for Stone Oak buyers.
Monitor the US-281 corridor expansion for its impact on northern Stone Oak property values. According to TxDOT planning documents, highway improvements affect commute times and accessibility for the entire community.
Create quarterly neighborhood market reports segmented by subdivision. According to farming best practices, Stone Oak homeowners respond to hyper-local data — their subdivision's performance, not the broad community average.
Leverage Stone Oak's amenity infrastructure (pools, parks, trails) in lifestyle marketing. According to buyer survey data, community amenities rank as the second-highest decision factor after schools for Stone Oak buyers.
Farm Helotes and Boerne buyers who may consider Stone Oak for school quality and urban convenience. Cross-community referral networks expand the buyer pipeline beyond Stone Oak boundaries.
Frequently Asked Questions
What is the median home price in Stone Oak TX?
According to SABOR data, Stone Oak's median home price is approximately $425,000, with prices ranging from $280,000 townhomes to $1.5 million estate properties across 20+ distinct subdivisions.
How does Stone Oak compare to Alamo Heights?
According to comparative data, Stone Oak's $425,000 median is approximately 38% below Alamo Heights ($685,000), but Stone Oak offers 8x the transaction volume (1,400 vs. 180 annually), newer construction, and master-planned amenities.
What school district serves Stone Oak TX?
According to TEA records, Stone Oak is served by North East ISD (NEISD), one of San Antonio's highest-rated districts, with multiple A-rated campuses that create measurable property value premiums.
How many homes sell in Stone Oak annually?
According to SABOR data, Stone Oak averages approximately 1,400 residential transactions per year — the highest volume among San Antonio's premium communities, generating nearly $600 million in annual sales.
What are property taxes in Stone Oak TX?
According to Bexar County records, Stone Oak's effective tax rate is approximately $2.22 per $100, producing annual taxes of roughly $9,426 on a $425,000 home — with NEISD accounting for the largest share.
Is Stone Oak still growing?
According to building permit data, new construction now accounts for approximately 16% of Stone Oak transactions (down from 22% in 2021), indicating the community is maturing toward a resale-dominated market as available lots diminish.
What is the best subdivision in Stone Oak?
According to SABOR data, top-performing subdivisions by price appreciation include The Heights at Stone Oak, Sonterra, and Canyon Springs — though "best" depends on buyer priorities (schools, price point, amenities, lot size).
How competitive is the Stone Oak real estate market for agents?
According to TREC data, 380 licensed agents serve Stone Oak with 85 (22%) closing 6+ deals annually — moderate competition offset by the community's deep transaction volume of 1,400 annual sales.
What types of homes are available in Stone Oak?
According to property records, Stone Oak features townhomes and condos (sub-$300,000), production single-family homes ($300,000-$500,000), custom homes ($500,000-$900,000), and estate properties ($900,000+) across 20+ subdivisions.
Is Stone Oak a good area to farm for real estate agents?
According to market analysis, Stone Oak's combination of high volume (1,400 annual transactions), strong per-transaction commission ($10,838), and multi-segment price tiers make it one of the San Antonio metro's best farming opportunities for agents willing to invest in subdivision-level expertise.
Rental Market Context
| Rental Indicator | Stone Oak TX | North SA | SA Metro |
|---|---|---|---|
| Median Rent (3BR SFH) | $2,100 | $1,850 | $1,650 |
| Rent YoY Change | +3.2% | +3.5% | +3.2% |
| Rental Vacancy Rate | 4.5% | 5.0% | 6.0% |
| Rent-to-Price Ratio | 0.59% | 0.65% | 0.72% |
| Avg. Lease Duration | 16 months | 14 months | 12 months |
According to rental market data, Stone Oak's 4.5% vacancy rate and $2,100 median rent reflect strong tenant demand from families who want NEISD schools but are not yet in a position to purchase. These renters represent a future buyer pipeline — agents who identify and nurture renter relationships capture purchase transactions 12-24 months later when equity savings, income growth, or rate changes enable purchasing, according to rental conversion analysis.
Is Stone Oak good for rental investment? According to investment analysis, Stone Oak's 0.59% rent-to-price ratio suggests below-average cash flow returns compared to more affordable markets like Seguin (0.76%). However, Stone Oak's steady appreciation (3.8% annually) and low vacancy (4.5%) provide total-return investment appeal for investors prioritizing appreciation and tenant quality over cash flow maximization, according to investment comparison data.
Commute and Employment Access
| Employment Center | Distance | Commute Time | Key Employers |
|---|---|---|---|
| USAA HQ (I-10/NW) | 8 miles | 15-20 min | USAA, Valero |
| Medical Center | 12 miles | 20-30 min | Hospitals, clinics |
| Downtown SA | 18 miles | 25-40 min | Government, legal |
| Fort Sam Houston | 15 miles | 25-35 min | Military, medical |
| La Cantera/Rim | 10 miles | 15-25 min | Retail, corporate |
According to Census Bureau commuting data, Stone Oak residents average a 24-minute commute — shorter than the metro average despite the community's northern location, reflecting US-281 and Loop 1604 access to major employment centers. The proximity to USAA's headquarters (30,000+ employees) makes Stone Oak the preferred residential community for USAA workers, creating an employer-specific demand driver that agents can target with precision, according to commute analysis.
Conclusion: Stone Oak's High-Volume Premium Opportunity
Stone Oak represents the San Antonio metro's deepest premium farming opportunity — 1,400 annual transactions at a $425,000 median within a community large enough to support multiple successful farming agents simultaneously. The subdivision-segmented price ladder, NEISD school premiums, and continuing new construction create a multi-dimensional market that rewards agents who invest in hyper-local knowledge.
The combination of $10,838 median commissions and 1,400 annual transactions means Stone Oak's total commission pool exceeds $15 million annually — dwarfing every other premium community in the metro. Agents who master subdivision-level dynamics capture disproportionate market share.
US Tech Automations provides the subdivision-level CRM, school zone premium tracking, and multi-segment campaign automation that Stone Oak's complex market demands. Start farming Stone Oak's premium opportunity today.
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Helping real estate agents leverage automation for geographic farming success.
