In Kerrville, a typical home is worth $303,400 and typical rent is $1,086 a month. Compared with all of Kerr County, typical household income is 11% lower, the typical home value is 6% lower, and the share of households that own their home is 11 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $333,380 to $349,946.
Typical rent
$1,877a month
▲ 2.6% more than 12 months ago
Typical rent from Zillow, March 2023 to September 2026: from $1,733 to $1,877.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Kerrville is in Kerr County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Kerr County. See the county
What this place has that others do not, from public data, most unusual first.
1
59% of households in Kerrville own their home, against 70% in Kerr County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Kerrville
What homes there are in Kerrville, 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
Detached houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Kerrville
Kerr County
Texas
United States
Kind of home: Kerrville and its comparisons
Measure
Kerrville
Kerr County
Texas
United States
Detached house
63%
66%
64%
61%
Attached house
4%
3%
3%
6%
Building of 2 to 4
8%
5%
5%
8%
Apartments (5 or more)
18%
9%
21%
19%
Mobile home
6%
17%
6%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Kerrville, 6 in 10 homes are single-family detached houses, about the same as in Kerr County.
Year built
Before 19601960–19791980–19992000–20092010 or later
Kerrville
Kerr County
Texas
United States
Year built: Kerrville and its comparisons
Measure
Kerrville
Kerr County
Texas
United States
Before 1960
17%
13%
12%
26%
1960–1979
27%
23%
21%
24%
1980–1999
30%
34%
28%
25%
2000–2009
14%
17%
18%
14%
2010 or later
13%
13%
21%
11%
The typical home in Kerrville was built in 1983, 4 years before the typical one in Kerr County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K11%
$100K–$200K13%
$200K–$300K26%
$300K–$500K37%
$500K–$750K8%
FHA limit: $541,287
$750K–$1M5%
$1M or moreUnreliable
Value of owner-occupied homes: Kerrville and its comparisons
Measure
Kerrville
Under $100K
11%
$100K–$200K
13%
$200K–$300K
26%
$300K–$500K
37%
$500K–$750K
8%
$750K–$1M
5%
$1M or more
Unreliable estimate
By price, most homes in Kerrville sit under the FHA limit for Kerr County ($541,287): about 87%.
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99940%
$1,000–$1,49932%
$1,500–$1,99915%
$2,000–$2,4995%
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Kerrville and its comparisons
Measure
Kerrville
Under $500
Unreliable estimate
$500–$999
40%
$1,000–$1,499
32%
$1,500–$1,999
15%
$2,000–$2,499
5%
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,761 a month
Kerr County: $1,767 a month
Without a mortgage
$622 a month
Kerr County: $620 a month
Owners with a mortgage
46%
Kerr County: 41%
The typical cost for an owner with a mortgage in Kerrville is $1,761 a month, near the figure in Kerr County ($1,767).
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Kerrville+69%
Kerr County+78%
Texas+65%
United States+53%
Typical rent
Kerrville+24%
Kerr County+27%
Texas+34%
United States+33%
Typical household income
Kerrville+28%
Kerr County+24%
Texas+27%
United States+29%
Change since 2015–2019: Kerrville and its comparisons
Measure
Kerrville
Kerr County
Texas
United States
Typical home value
+69%
+78%
+65%
+53%
Typical rent
+24%
+27%
+34%
+33%
Typical household income
+28%
+24%
+27%
+29%
Homes in Kerrville gained value more slowly than in Kerr County: 69% since 2015–2019, against 78%.
The typical rent in Kerrville rose 24% since 2015–2019, about the same as in Kerr County (27%).
While home values in Kerrville changed +69% and rent +24%, the typical household income rose 28%.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Kerrville and its comparisons
Measure
Kerrville
Kerr County
Texas
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
7.7%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
1.1%
0.9%
More than one person per room
5.3%
4.4%
4.8%
3.4%
People per household
2.15
2.27
2.69
2.53
Drive alone
72%
72%
71%
69%
Carpool
13%
13%
10%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
5%
3%
2%
3%
Work from home
9%
10%
14%
15%
Other means
Unreliable estimate
Unreliable estimate
2%
2%
Typical commute
10 to 19 minutes
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
Much as in Kerr County, 5.3% of households in Kerrville have more than one person per room.
On average, a household in Kerrville has 2.15 people, fewer than in Kerr County (2.27).
In Kerrville, 72% of workers drive alone to work; in Kerr County, 72%.
Do the math
What would you pay each month for a home in Kerrville?
A typical home costs more than the typical income allows
We start with a typical home in Kerrville, worth $303,400, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 50% of the typical household income in Kerrville, which is $62,102 a year. For that payment to be 28% of income, a household would need to earn about $110,987 a year.
The calculator's FHA and conventional loan limits are those of all of Kerr County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Kerrville. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $10,619 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$2,590
at 7.18% · 30 years
Loan amount
$297,905
Total interest
$428,615
Paid off in
November 2056
Includes $5,124 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,449 a month
Tight
$1,449 to $1,863 a month
Hard
more than $1,863 a month
Your payment · 50%
Compared with the typical household income in Kerrville ($62,102 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,018
Property tax
$311
Home insurance
$126
FHA mortgage insurance (MIP)
$134
You need at least $10,619 for the down payment, plus closing costs.
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.
Total monthly payment $2,590; principal and interest $2,018.
The city and its county
Kerrville and Kerr County
Kerrville is in Kerr 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).
Kerrville
Map of Kerr County, Texas, with Kerrville marked. Around it, the neighboring counties.
Kerrville
Kerr County
Other cities with a page
Kerrville's own numbers
Typical home value
$303,400
Typical monthly rent
$1,086
Typical yearly household income
$62,102
Households that own their home
59%
Effective property tax rate
1.23%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kerr County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,156
Price change over 5 years (FHFA)
+52%
Homes in a high flood-risk zone
5.5%
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 Kerr County.
A typical home in Kerrville is worth $303,400: 6% below the county and 7% above Texas. With the typical household income in Kerrville ($62,102 a year), a typical home costs 4.9 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.
Kerrville4.9 years
Kerr4.6 years
Texas3.6 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kerr County
According to FHFA’s house price index, home prices in Kerr County rose 103% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kerr County.
Yearly change in FHFA’s price index in Kerr County, 2016 to 2025
2016: +3.8% +3.8% 2016
2017: +10.7% +10.7% 2017
2018: +7.1% +7.1% 2018
2019: +5.8% +5.8% 2019
2020: +2.5% +2.5% 2020
2021: +14.1% +14.1% 2021
2022: +20.4% +20.4% 2022
2023: +5.6% +5.6% 2023
2024: +3.9% +3.9% 2024
2025: +0.9% +0.9% 2025
Change in FHFA’s price index in Kerr County, Texas and the United States
Period
County
Texas
U.S.
Last year (2025)
+0.9%
+0.8%
+2.9%
5 years (2020–2025)
+52%
+44%
+47%
10 years (2015–2025)
+103%
+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
Kerrville next to Kerr 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
Kerrville$303,400
Kerr$321,200
Texas$283,800
United States$332,700
Typical monthly rent
Kerrville$1,086
Kerr$1,109
Texas$1,403
United States$1,413
Typical yearly household income
Kerrville$62,102
Kerr$69,395
Texas$78,476
United States$80,734
See the full table
Kerrville next to Kerr County and Texas
Measure
Kerrville
Kerr County
Texas
U.S.
Typical home value
$303,400 ▼6% below the county
$321,200
$283,800
$332,700
Typical monthly rent
$1,086 ▼2% below the county
$1,109
$1,403
$1,413
Typical yearly household income
$62,102 ▼11% below the county
$69,395
$78,476
$80,734
Households that own their home
59% ▼11 points below the county
70%
63%
65%
Typical yearly property tax
$3,738 ▲20% above the county
$3,103
$4,232
$3,119
Effective property tax rate
1.23% ▲0.26 points above the county
0.97%
1.49%
0.94%
Renters with high rent for their income
47% ▲2 points above the county
45%
52%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kerr 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 Kerrville
For a typical $303,400 home in Kerrville, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kerrville's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,590a month
Least cash to close
Down payment
$10,619
Cash to close
$19,721
Rate
7.18%
Mortgage insurance
FHA MIP · $134
Conventional, 5% down$2,534a month
Down payment
$15,170
Cash to close
$24,272
Rate
7.18%
Mortgage insurance
PMI · $144
Conventional, 20% down, no PMI$2,082a month
Down payment
$60,680
Cash to close
$69,782
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,362a month
Down payment
$45,510
Cash to close
$54,612
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Kerrville
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,590
$10,619
$297,905
7.18%
FHA MIP · $134
$19,721
580
Conventional, 5% down
$2,534
$15,170
$288,230
7.18%
PMI · $144
$24,272
620*
Conventional, 20% down, no PMI
$2,082
$60,680
$242,720
7.18%
None
$69,782
620*
ITIN, 15% down (example)
$2,362
$45,510
$257,890
8.18%
None
$54,612
Set by the lender
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.
Typical rent in Kerrville is $1,086 a month: 2% below the county. In Kerrville, 47% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kerr County, by unit size. To pay the 2-bedroom one ($1,156 a month) without spending more than 30% of your income, you would need to earn $22.23 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kerr County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
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
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 Kerrville
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kerrville is in ZIP code 78028.
For 2 bedrooms it is $1,160: $4 more than the fair market rent for Kerr County ($1,156).
Fair market rent by ZIP code and size in Kerrville, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
78028
$880
$1,030
$1,160
$1,520
$1,530
ZIP code2 bd3 bd
78028 $1,160$1,520
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kerrville 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
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 Kerr County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Kerrville or Kerr County. The ones below are statewide in Texas: they work in Kerrville the same as in the rest of the state.
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).
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).
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).
No legal help resource on our list is for Kerrville or Kerr County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Kerrville and all of Kerr 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 Kerrville?
The typical home value in Kerrville is $303,400, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kerr County it is $321,200.
How much does it cost to rent in Kerrville?
Typical rent in Kerrville is $1,086 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kerr County is $1,156.
What is the FHA loan limit in Kerrville?
Kerrville uses the FHA limit for all of Kerr County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.
How much property tax do owners pay in Kerrville?
The typical homeowner in Kerrville pays $3,738 a year, according to the U.S. Census Bureau. That is 1.23% of the home’s value; in Kerr County, the rate is 0.97%.
Where can I find free help to buy or rent in Kerrville?
We found no HUD-approved counseling agencies with an office in Kerr County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
