Living in Selma, Texas

How to read these numbers: this is a dated secondary snapshot from a public market tracker with its own geography and methodology, not an official MLS figure and not a forecast. Pricing here segments by subdivision, then county, then school district, then HOA, then age, condition, road and drainage position, then true comparables. When we work together I pull current listing and sales data for the exact area and price band you are shopping, so ask for the freshest number.

The City's own rate, dated: the City of Selma's latest clearly adopted rate on record is a no-new-revenue rate of $0.1891 per $100 of taxable value for tax year 2025. It is labeled 2025 on this page, not 2026: as of this guide's September 18, 2026 update, an adopted 2026 City rate was not yet published in available official sources, so the page uses the latest complete official year and dates it. This guide does not claim that Forum or retail sales taxes cause this rate, because the City has not documented that causal claim.

How to read this table: every figure is a tax-year-2025 rate per $100 of taxable value, researched from the Bexar County, Guadalupe Appraisal District and Comal County official rate material, plus the adopted districts' rates. Rates are reset each year, and 2026 rates for several units were still in adoption or posting when this guide was updated, so recheck the current adopted rates before relying on any figure. The Guadalupe side's lateral road line depends on whether the parcel sits in a lateral-road district, and any parcel can carry an additional special district (for example a MUD), so the exact owner's tax record, not this table, is the final authority.

Water: the City of Selma operates city-owned and city-leased water infrastructure and publishes residential water rates and water-quality information on its Utilities page. Water service is by address; confirm the account, connection status and current rates for the specific property. This is not a San Antonio Water System default.

Wastewater: the City contracts with the Cibolo Creek Municipal Authority (CCMA) for wastewater service and treatment administration. Verify the actual sewer configuration and how sewer is billed for the property, because not every parcel connects the same way.

Sanitation: Frontier Waste Solutions is the current residential and commercial trash and recycling contractor under the City's current Utilities page, effective January 1, 2025. Older pages list prior contractors, so use the City's current page, not stale information.

Electric and gas: service can vary by address, and provider lists on older material (including CPS or GVEC references for electric, CPS or CenterPoint references for gas) may be stale. The correct guidance: verify the current service territory and the property's existing account for both electric and natural gas before relying on any provider name.

Septic and wells: Selma is a suburban incorporated city served by municipal systems, so this guide does not import septic and well boilerplate. If a specific older or outlying parcel genuinely has a well or septic system, that is a property-specific fact to verify on the records, not an assumption.

The useful question on any Selma property: what did the seller actually pay out of pocket last year for water, wastewater, trash, electric and gas? That one question answers more than any provider list.

Cibolo Creek: Cibolo Creek is historically and geographically important to Selma. It is the regional stream that shapes drainage in the area, with a U.S. Geological Survey gauge on Cibolo Creek at Selma that defines flood stages; flood warnings for "Cibolo Creek at Selma" reference lowland flooding downstream. How any particular property relates to the creek depends entirely on its exact location.

Lookout Road corridor: Lookout Road has a documented drainage engineering history. Selma's Lookout Road improvements included a four-lane corridor with turn lanes, drainage elements and a bridge over Cibolo Creek; the Lookout Road bridge over Cibolo Creek opened August 9, 2019, funded by a 2015 bond, and the City has continued corridor-adjacent drainage and trail work, including the Cibolo Creek Trail Connectivity Project along Evans Road awarded in December 2025. The lesson, never "Lookout neighborhoods flood": the corridor has documented drainage engineering history, so exact property conditions deserve review on the parcel, its prior water disclosures and the current maps.

How the City regulates: the City of Selma handles floodplain management and storm-water regulation through its engineering and development functions, consistent with the Texas flood-damage-prevention framework and FEMA's requirements for participating communities. Review the City and county floodplain material, floodway versus floodplain, and the FEMA map for the exact parcel; never infer a zone from a subdivision name or a creek's presence.

The honest buyer checks for any Selma property: current FEMA flood map and floodway, the City and county floodplain material, lot elevation, grading, drainage channels, culverts, retaining walls, easements, prior water disclosure on the property, the lender's flood determination and a flood-insurance quote from a licensed provider. If you're looking near Lookout or Cibolo Creek, check the actual drainage and flood map instead of guessing. How flood zones work for Texas buyers explains the framework in plain language.

Geographic honesty first: those builder communities are not "new construction in Selma." They are competing inventory near Selma, and that distinction matters for both buyers and sellers. For sellers, the competition is real: a nearby builder offering new finishes, warranties and incentives can pull the same buyer. State it factually, without pretending the builder homes are inside the city limits.

The honest comparison lines up both sides: a Selma resale's condition, system age, renovations, lot, established neighborhood and seller concessions versus a nearby new build's HOA, tax setup (which can differ by county even minutes away), lot premium, builder financing, inspection stages and completion timing. Compare the actual monthly payment, not the sticker price, and include the jurisdiction-specific tax and payment side, because that is where Selma's three-county reality shows up most. New construction across the San Antonio area and rate buydowns explained cover the builder-side mechanics in detail.

Jurisdiction accuracy is a disclosure issue here: county and school-district information must be stated accurately in the listing, because the buyer's tax estimate, insurance quote and payment all hang on it. Do not allow county or district info to be guessed from a ZIP. If the verified tax comparison applies to your two jurisdictions, the tax and payment difference can be factual buyer content, but never call one side "better" or rank them; state the factual monthly tax implication at the same taxable-value example.

Builder competition deserves its own section: nearby new construction in Schertz, Cibolo, Garden Ridge and New Braunfels can compete for the same buyer with new finishes, warranties, closing-cost incentives and rate buydowns. Before setting your price, answer the question a smart buyer will ask: what can a buyer get from a builder for similar money today, at the same time as your listing, in the same school district or tax band?

Documentation that pays: survey, roof, HVAC, electrical, plumbing, permitted additions, remodels, HOA resale certificate where applicable, and factual flood and drainage maps for drainage-sensitive locations. Nothing replaces the actual records in hand. The pricing-your-home guide and the complete seller guide walk through the mechanics, and I compare the property against the right submarket rather than a citywide average.