Renting · Section 8
Data from November 2026
Renting in Kerr County, Texas
Kerr County has a HUD fair market rent of $1,156 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,109 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $22.23 an hour, full time.
Four numbers to start with
- Fair market rent, 2 bedrooms
- $1,156
- a month, HUD, Fiscal year 2027
- 22% less than in Texas
- Typical rent
- $1,109
- a month, Census, Average 2020–2024
- 21% less than in Texas
- Wage needed
- $22.23
- an hour, 2 bedrooms
- Or $46,240 a year, to spend no more than 30% of income on rent.
- Rent-burdened households
- 45%
- spend 30% or more of income on rent
- 13% less than in Texas
Only here
Renting in Kerr County: what sets it apart
What this place has that others do not, from public data, most unusual first.
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Among the neighboring counties, Kimble County has the lowest typical rent ($790), 29% below the $1,109 in Kerr County.
Sources: U.S. Census Bureau (Average 2020–2024).
Fair market rent
What HUD sets for each size
Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Kerr County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.
The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)
According to Zillow (ZORI), the typical asking rent in Kerr County was $1,852 a month in September 2026: 1.9% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data
| Size | Fair rent per month | Hourly wage | Income needed per year |
|---|---|---|---|
| Studio | $879 | $16.90 | $35,160 |
| 1 bedroom | $1,026 | $19.73 | $41,040 |
| 2 bedrooms | $1,156 | $22.23 | $46,240 |
| 3 bedrooms | $1,513 | $29.10 | $60,520 |
| 4 bedrooms | $1,519 | $29.21 | $60,760 |
HUD area: Kerr County, TX. Source: HUD, Fiscal year 2027
By ZIP code
The fair market rent for your ZIP code
HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 12 ZIP codes in Kerr County (Fiscal year 2027). Type yours to see it.
For 2 bedrooms they run from $1,080 in 78025 to $1,300 in 78058. 9 ZIP codes are above the county's fair market rent ($1,156).
Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)
| 78010 | Kerr County, TX | $900 | $1,040 | $1,170 | $1,530 | $1,540 |
|---|---|---|---|---|---|---|
| 78010 | San Antonio-New Braunfels, TX | $900 | $1,040 | $1,170 | $1,530 | $1,540 |
| 78024 | Kerr County, TX | $870 | $1,010 | $1,140 | $1,490 | $1,500 |
| 78024 | Real County, TX | $870 | $1,010 | $1,140 | $1,490 | $1,500 |
| 78025 | Kerr County, TX | $820 | $960 | $1,080 | $1,410 | $1,420 |
| 78028 | Gillespie County, TX | $880 | $1,030 | $1,160 | $1,520 | $1,530 |
| 78028 | Kerr County, TX | $880 | $1,030 | $1,160 | $1,520 | $1,530 |
| 78028 | San Antonio-New Braunfels, TX | $880 | $1,030 | $1,160 | $1,520 | $1,530 |
| 78029 | Kerr County, TX | $880 | $1,030 | $1,160 | $1,520 | $1,520 |
| 78058 | Gillespie County, TX | $990 | $990 | $1,300 | $1,630 | $1,910 |
| 78058 | Kerr County, TX | $990 | $990 | $1,300 | $1,630 | $1,910 |
| 78058 | Real County, TX | $990 | $990 | $1,300 | $1,630 | $1,910 |
- 78010 · Kerr County, TX $1,170$1,530
- 78010 · San Antonio-New Braunfels, TX $1,170$1,530
- 78024 · Kerr County, TX $1,140$1,490
- 78024 · Real County, TX $1,140$1,490
- 78025 · Kerr County, TX $1,080$1,410
- 78028 · Gillespie County, TX $1,160$1,520
- 78028 · Kerr County, TX $1,160$1,520
- 78028 · San Antonio-New Braunfels, TX $1,160$1,520
- 78029 · Kerr County, TX $1,160$1,520
- 78058 · Gillespie County, TX $1,300$1,630
- 78058 · Kerr County, TX $1,300$1,630
- 78058 · Real County, TX $1,300$1,630
Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)
Rent burden
How many households spend too much
HUD counts rent as a burden when it reaches 30% of income or more. In Kerr County, 45% of renter households are in that position; in Texas, 52%, and nationwide, 51% (Average 2020–2024, Census).
Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.
45%
of renter households spend 30% or more of their income on rent.
6,752 households rent in Kerr County
- Spend half or more of their income 20%
- Spend 30% or more, but less than half 25%
- Spend less than 30% 55%
Compared with the state and the country
- Kerr 45%
- Texas 52%
- United States 51%
Low-income apartments
Low-income apartments in Kerr County
HUD lists 9 properties with homes for low-income households in Kerr County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest.
- with tax credits (LIHTC)
- 7
- HUD-assisted
- 3
513 homes in all; 422 of them low-income, according to HUD.
- Gardens at Clearwater Tax credit (LIHTC) 451 Clearwater Paseo, Kerrville 78028 80 low-income homes · 1 bd: 40 · 2 bd: 40
- Heritage Oaks Apts Tax credit (LIHTC) 2350 Junction Hwy, Kerrville 78028 76 low-income homes · In service since 2001
- Kerrville Meadows Apts Tax credit (LIHTC) 2300 Junction Hwy, Kerrville 78028 76 low-income homes · 1 bd: 48 · 2 bd: 28 · In service since 1999
- Freedoms Path at Kerrville Tax credit (LIHTC) 3602 Memorial Blvd, Kerrville 78028 49 low-income homes · In service since 2015 · For people with disabilities
- Brookhollow Apartments Tax credit (LIHTC) · HUD-assisted 612 Travis St, Kerrville 78028 48 low-income homes · For families · (830) 355-0827
- Residence at Ridgehill Tax credit (LIHTC) 160 Lehmann Dr, Kerrville 78028 60 homes, 43 low-income · For older adults, people with disabilities, families, people experiencing homelessness
- Kerrville Oaks Apartments HUD-assisted 850 Clay St, Kerrville 78028 36 low-income homes · For older adults · (830) 792-3233
- Cedar Elm Place HUD-assisted 900 Paschal St, Kerrville 78028 15 homes, 14 low-income · For people with disabilities · (830) 792-3628
- Paseo de Paz Apts Tax credit (LIHTC) 401 Clearwater Paseo, Kerrville 78028 73 homes
One property has two programs at the same address and appears once. Search HUD's map
Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.
Section 8
The Section 8 voucher in Kerr County
The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. A public housing agency runs it. HUD lists none with an office in Kerr County; the state's agencies can help you. Here is what the rules say:
The rules, with their source
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You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD
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Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)
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Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)
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If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)
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When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508
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Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)
| People | Extremely low (30%) | Very low (50%) | Low |
|---|---|---|---|
| 1 person | $20,200 | $33,700 | $53,900 |
| 2 people | $23,100 | $38,500 | $61,600 |
| 3 people | $27,320 | $43,300 | $69,300 |
| 4 people | $33,000 | $48,100 | $76,950 |
| 5 people | $38,680 | $51,950 | $83,150 |
| 6 people | $44,360 | $55,800 | $89,300 |
| 7 people | $50,040 | $59,650 | $95,450 |
| 8 people | $55,720 | $63,500 | $101,600 |
Area median income: $96,200. HUD income limits by family size, Fiscal year 2026. Area: Kerr County, TX. Source: HUD, Fiscal year 2026
Possible payment standard
- Studio $791 – $967
- 1 bedroom $923 – $1,129
- 2 bedrooms $1,040 – $1,272
- 3 bedrooms $1,362 – $1,664
- 4 bedrooms $1,367 – $1,671
The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.
Housing agencies that serve this place
HUD lists no housing agency with an office in Kerr County. You can apply at another agency in your state: you do not have to live where you apply. Source: HUD
Your rights as a tenant in Texas
What Texas law says about deposits, notices and eviction, with the citation for each rule.
See your rights, rule by ruleCompare these rules with other states →
A summary of state law, not legal advice. Cities may have additional rules.
- When must they return my deposit?
- 30 days
- Tex. Prop. Code §92.103(a)
- If I fall behind on rent, what notice must I get?
- 3 days
- Tex. Prop. Code §24.005(a)
- Only a court order can remove youTex. Prop. Code §92.0081(b)
- Protection from retaliationTex. Prop. Code §92.331
- Repair and deduct from the rentTex. Prop. Code §92.0561(a)-(b)
Help
Where to get help with rent in Kerr County
HUD lists no counseling agencies near in Kerr County. Free legal aid and your housing agency can guide you.
Rental assistance programs
The ones that serve in Kerr County or the whole state, with what each page says about being open.
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Comprehensive Energy Assistance Program (CEAP)
Run by Texas Department of Housing and Community Affairs (TDHCA)
Texas program, funded by LIHEAP, that helps low-income households pay for electricity and gas, through local agencies in each county
Tool
How much cash do you need to move in?
It starts with the 2-bedroom fair market rent in Kerr County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.
Count power on top of the rent: in Texas, the average home bill was $164 a month in 2024 (EIA). See electricity and gas costs
Your move
We use the place's fair market rent and the state's deposit rule.
Adjust advanced details
Let's do the math
Cash to move in
$2,312
What you need before you get the keys.
What adds up
- First month
- $1,156
- Security deposit
- $1,156
- Total
- $2,312
When you'll have it
Enter what you can set aside each month to see how long it takes.
What helps
- Ask for a receipt for every payment and keep a copy of the lease.
- On move-in day, walk through the home and take dated photos.
- Never send money for a home you haven't seen or a lease you haven't read.
This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.
Frequently asked questions
What is the fair market rent in Kerr County?
According to HUD (Fiscal year 2027): Studio: $879; 1 bedroom: $1,026; 2 bedrooms: $1,156; 3 bedrooms: $1,513; 4 bedrooms: $1,519. It covers rent plus basic utilities, except the phone.
How much do you need to earn to rent in Kerr County?
Paying the 2-bedroom fair market rent ($1,156) without spending more than 30% of income takes $22.23 an hour full time, or $46,240 a year.
Who qualifies for Section 8 in Kerr County?
Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $48,100 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.
How much does Section 8 pay in Kerr County?
The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,040 and $1,272 a month. Your agency publishes its figure.
Does the fair market rent change by ZIP code in Kerr County?
For 2 bedrooms they run from $1,080 in 78025 to $1,300 in 78058. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.
How many low-income apartments are there in Kerr County?
HUD lists 9 properties with homes for low-income households in Kerr County: tax-credit apartments (LIHTC) and HUD-assisted buildings. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.
How many households spend too much on rent in Kerr County?
HUD counts rent as a burden when it reaches 30% of income or more. In Kerr County, 45% of renter households are in that position; in Texas, 52%, and nationwide, 51% (Average 2020–2024, Census).