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City · 20,518 residents · Kendall County, Texas

Boerne , Texas

In Boerne, a typical home is worth $457,900 and typical rent is $1,589 a month. Compared with all of Kendall County, typical household income is 26% lower, the typical home value is 11% lower, and the share of households that own their home is 15 points lower.

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  • Typical home value

    $457,900

    11% below the county

    61% above Texas

    • Boerne
    • Kendall
    • Texas

  • Typical rent

    $1,589a month

    About the same as the county

    13% above Texas

    • Boerne
    • Kendall
    • Texas

  • Typical household income

    $84,541a year

    26% below the county

    8% above Texas

    • Boerne
    • Kendall
    • Texas

  • Households that own their home

    65%

    15 points below the county

    2 points above Texas

    • Boerne
    • Kendall
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$555,988
about the same as 12 months ago
Typical rent
$1,436 a month
2.2% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Boerne is in Kendall County. The FHA loan limit ($557,750 for a one-unit home), the fair market rents and the help on this page are those of all of Kendall County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Boerne apart

What this place has that others do not, from public data, most unusual first.

  1. 65% of households in Boerne own their home, against 79% in Kendall County.

  2. The typical household income in Boerne is $84,541, 26% less than in Kendall County as a whole ($114,962).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Boerne

What homes there are in Boerne, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house is still the most common home in Boerne, but it weighs less than in Kendall County: 72% against 78%.

Year built

Homes in Boerne are newer: the typical year built is 2006; in Kendall County, 2002.

There are fewer big homes in Boerne than in Kendall County: 70% have 3 bedrooms or more, against 74%.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,530 a month

Kendall County: $2,662 a month

Without a mortgage

$755 a month

Kendall County: $841 a month

Owners with a mortgage

67%

Kendall County: 55%

In Boerne, 67% of owners have a mortgage; their typical cost is $2,530 a month, about the same as in Kendall County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

The typical home value in Boerne rose 60% since 2015–2019, more than in Kendall County (47%).

Since 2015–2019, the typical rent in Boerne rose 26%, less than in Kendall County (34%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureBoerneKendall CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room Unreliable estimateUnreliable estimate4.8%3.4%
People per household 2.632.702.692.53
Drive alone 75%68%71%69%
Carpool 7%8%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimateUnreliable estimate2%3%
Work from home 16%22%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

Much as in Kendall County, a household in Boerne has 2.63 people on average.

To get to work, 75% of workers in Boerne drive alone; in Kendall County, 68%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Boerne?

A typical home costs more than the typical income allows

We start with a typical home in Boerne, worth $457,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 56% of the typical household income in Boerne, which is $84,541 a year. For that payment to be 28% of income, a household would need to earn about $169,631 a year.

The calculator's FHA and conventional loan limits are those of all of Kendall County.

Your numbers

Local data
$

Starts at the typical home value in Boerne. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $16,027 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,958

at 7.18% · 30 years

Loan amount
$449,606
Total interest
$646,877
Paid off in
November 2056

Includes $7,733 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,973 a month

  • Tight

    $1,973 to $2,536 a month

  • Hard

    more than $2,536 a month

    Your payment · 56%

Compared with the typical household income in Boerne ($84,541 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,958
Principal & interest$3,046
Property tax$519
Home insurance$191
FHA mortgage insurance (MIP)$203

You need at least $16,027 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Boerne and Kendall County

Boerne is in Kendall County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Boerne's own numbers

Typical home value
$457,900
Typical monthly rent
$1,589
Typical yearly household income
$84,541
Households that own their home
65%
Effective property tax rate
1.36%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Kendall County

FHA limit, one-unit home
$557,750
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,650
Price change over 5 years (FHFA)
+49%
Homes in a high flood-risk zone
4%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Kendall County.

Everything about Kendall County

Buying

Buying a home in Boerne

A typical home in Boerne is worth $457,900: 11% below the county and 61% above Texas. With the typical household income in Boerne ($84,541 a year), a typical home costs 5.4 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Boerne 5.4 years
  • Kendall 4.5 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Kendall County

According to FHFA’s house price index, home prices in Kendall County rose 96% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Kendall County.

Period County Texas U.S.
Last year (2025) −1.6% +0.8% +2.9%
5 years (2020–2025) +49% +44% +47%
10 years (2015–2025) +96% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Boerne next to Kendall County, Texas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Boerne $457,900
  • Kendall $512,700
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Boerne $1,589
  • Kendall $1,606
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Boerne $84,541
  • Kendall $114,962
  • Texas $78,476
  • United States $80,734
See the full table
Boerne next to Kendall County and Texas
Measure Boerne Kendall County Texas U.S.
Typical home value $457,900 $512,700 $283,800 $332,700
Typical monthly rent $1,589 $1,606 $1,403 $1,413
Typical yearly household income $84,541 $114,962 $78,476 $80,734
Households that own their home 65% 79% 63% 65%
Typical yearly property tax $6,232 $5,656 $4,232 $3,119
Effective property tax rate 1.36% 1.1% 1.49% 0.94%
Renters with high rent for their income 55% 55% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kendall County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Boerne

For a typical $457,900 home in Boerne, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Boerne's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,958a month

    Least cash to close
    Down payment
    $16,027
    Cash to close
    $29,764
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $203

  • Conventional, 5% down $3,874a month

    Down payment
    $22,895
    Cash to close
    $36,632
    Rate
    7.18%
    Mortgage insurance
    PMI · $218

  • Conventional, 20% down, no PMI $3,191a month

    Down payment
    $91,580
    Cash to close
    $105,317
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,615a month

    Down payment
    $68,685
    Cash to close
    $82,422
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Boerne and for Kendall County.

Property tax

Effective rate in Boerne

1.36%of the home’s value each year

$6,232 a year for the typical owner in Boerne.

  • Boerne 1.36%
  • Kendall 1.1%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Kendall County

FEMA does not publish these numbers by city: they are for all of Kendall County.

Homes in the high-risk zone
4%
573
Of those, with NFIP insurance
31%
County Texas U.S.
Homes in the high-risk zone 4% 4.1% 3.5%
Of those, with NFIP insurance 31% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Boerne

Typical rent in Boerne is $1,589 a month: about the same as the county. In Boerne, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Kendall County, by unit size. To pay the 2-bedroom one ($1,650 a month) without spending more than 30% of your income, you would need to earn $31.73 an hour working full time.

HUD fair market rent for all of Kendall County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,276 $24.54 $51,040
1 bedroom $1,285 $24.71 $51,400
2 bedrooms $1,650 $31.73 $66,000
3 bedrooms $2,285 $43.94 $91,400
4 bedrooms $2,470 $47.50 $98,800

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Boerne

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Boerne is in ZIP code 78006.

For 2 bedrooms it is $1,700: $50 more than the fair market rent for Kendall County ($1,650).

  • 78006 $1,700$2,340

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Boerne when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Boerne

HUD lists 5 buildings with rents for lower incomes in Boerne. These are the largest.

  • Liv Boerne Hills 3 Shooting Club Rd, Boerne 78006 162 homes, 120 low-income · For older adults, people with disabilities, families, people experiencing homelessness
  • Park Meadows Apts 140 Calk Ln, Boerne 78006 100 low-income homes · In service since 2003 · For older adults
  • Abbington Ranch 19 Cascade Caverns Rd, Boerne 78015 48 homes, 36 low-income · 1 bd: 12 · 2 bd: 24 · 3 bd: 12 · For older adults, people with disabilities, families, people experiencing homelessness
  • Terraces at Cibolo 518 Fabra St, Boerne 78006 147 homes
  • Creekside Apts 711 River Rd, Boerne 78006 70 homes

See all 6 buildings in Kendall County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Boerne

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Kendall County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Boerne

No down payment, repair or rent-help program on our list is for Boerne or Kendall County. The ones below are statewide in Texas: they work in Boerne the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    Texas state program for first-time buyers: a 30-year mortgage with down payment assistance. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    Texas state program with down payment assistance for any buyer, not only first-time buyers. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    Tax credit

    See the program Official page

Housing counselors near Boerne

The HUD-approved agencies closest to the center of Boerne, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • NSC (naca Counseling Subsidiary) - San Antonio, TX

    1603 Babcock Rd Suite 200, San Antonio · 22 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 4 more
    (210) 826-2828

  • Our Casas Resident Council, Inc.

    2300 W Commerce St Ste 218, San Antonio · 28 miles away · Spanish

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (210) 354-2400

  • City of San Antonio/Dept of Neighborhood and Housing Services (DNHS)

    100 W Houston St, San Antonio · 28 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (210) 207-5309

All counseling agencies in Texas

Help in Spanish near Boerne

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Boerne

HUD’s record names them for Boerne or Kendall County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

All housing agencies in Texas Source: HUD

Cities

Nearby cities

The cities closest to Boerne, with the typical home value.

Everything about Kendall County Housing in Texas

Neighboring counties

If Kendall County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Boerne.

All guides
A family roasts marshmallows over a campfire at a forest campsite.

Questions

Housing questions about Boerne

Short answers with the numbers for Boerne and all of Kendall County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Boerne?

The typical home value in Boerne is $457,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kendall County it is $512,700.

How much does it cost to rent in Boerne?

Typical rent in Boerne is $1,589 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kendall County is $1,650.

What is the FHA loan limit in Boerne?

Boerne uses the FHA limit for all of Kendall County (2026): $557,750 for a one-unit home and $1,072,600 for a four-unit home.

How much property tax do owners pay in Boerne?

The typical homeowner in Boerne pays $6,232 a year, according to the U.S. Census Bureau. That is 1.36% of the home’s value; in Kendall County, the rate is 1.1%.

Where can I find free help to buy or rent in Boerne?

We found no HUD-approved counseling agencies with an office in Kendall County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).