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City · 7,330 residents · Llano County, Texas

Kingsland , Texas

In Kingsland, a typical home is worth $230,700 and typical rent is $892 a month. Compared with all of Llano County, the typical home value is 35% lower and typical household income is 15% lower.

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  • Typical home value

    $230,700

    35% below the county

    19% below Texas

    • Kingsland
    • Llano
    • Texas

  • Typical rent

    $892a month

    11% below the county

    36% below Texas

    • Kingsland
    • Llano
    • Texas

  • Typical household income

    $57,268a year

    15% below the county

    27% below Texas

    • Kingsland
    • Llano
    • Texas

  • Households that own their home

    74%

    2 points below the county

    12 points above Texas

    • Kingsland
    • Llano
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$441,352
3.7% less than 12 months ago

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

Kingsland is in Llano 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 Llano County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kingsland apart

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

  1. The typical home in Kingsland is worth $230,700, 35% less than in Llano County as a whole ($356,500).

  2. The typical household income in Kingsland is $57,268, 15% less than in Llano County as a whole ($67,530).

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

The homes here

Housing in Kingsland

What homes there are in Kingsland, 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 Kingsland, but it weighs less than in Llano County: 64% against 73%.

In Kingsland there are many mobile homes: 21% of homes; in Llano County, 12%.

Year built

The typical year built in Kingsland is 1993, about the same as in Llano County (1990).

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

At least 82% of owner-occupied homes in Kingsland are worth less than $500,000, below the FHA loan limit for Llano County ($541,287).

Monthly rent with utilities

With a mortgage

$1,363 a month

Llano County: $1,841 a month

Without a mortgage

$471 a month

Llano County: $625 a month

Owners with a mortgage

48%

Llano County: 42%

In Kingsland, 48% of owners have a mortgage, and their typical cost is $1,363 a month, against $1,841 in Llano County. Without one it drops to $471.

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 Kingsland rose 90% since 2015–2019, more than in Llano County (83%).

The typical rent in Kingsland stayed about the same over that time: the difference is within the Census margin of error.

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

MeasureKingslandLlano CountyTexasUnited States
Rental vacancy Unreliable estimateUnreliable estimate7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room 8.6%3.0%4.8%3.4%
People per household 2.202.062.692.53
Drive alone 65%71%71%69%
Carpool 18%11%10%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home Unreliable estimate15%14%15%
Other means Unreliable estimateUnreliable estimate2%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

In Kingsland, 8.6% of households live with more than one person per room, against 3.0% in Llano County.

More people live in each home here: 2.20 on average, against 2.06 in Llano County.

Carpooling is common in Kingsland: 18% of workers get to work that way, against 11% in Llano County.

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 Kingsland?

A typical home costs more than the typical income allows

We start with a typical home in Kingsland, worth $230,700, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Kingsland, which is $57,268 a year. For that payment to be 28% of income, a household would need to earn about $79,449 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kingsland. 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 $8,075 (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

$1,854

at 7.18% · 30 years

Loan amount
$226,521
Total interest
$325,910
Paid off in
November 2056

Includes $3,896 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,336 a month

  • Tight

    $1,336 to $1,718 a month

  • Hard

    more than $1,718 a month

    Your payment · 39%

Compared with the typical household income in Kingsland ($57,268 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,854
Principal & interest$1,535
Property tax$121
Home insurance$96
FHA mortgage insurance (MIP)$102

You need at least $8,075 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

Kingsland and Llano County

Kingsland is in Llano 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).

Kingsland's own numbers

Typical home value
$230,700
Typical monthly rent
$892
Typical yearly household income
$57,268
Households that own their home
74%
Effective property tax rate
0.63%

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

Numbers for all of Llano County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,102
Price change over 5 years (FHFA)
+56%
Homes in a high flood-risk zone
10%

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 Llano County.

Everything about Llano County

Buying

Buying a home in Kingsland

A typical home in Kingsland is worth $230,700: 35% below the county and 19% below Texas. With the typical household income in Kingsland ($57,268 a year), a typical home costs 4.0 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.

  • Kingsland 4.0 years
  • Llano 5.3 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Llano County

According to FHFA’s house price index, home prices in Llano County rose 121% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −3.6% +0.8% +2.9%
5 years (2020–2025) +56% +44% +47%
10 years (2015–2025) +121% +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

Kingsland next to Llano 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
  • Kingsland $230,700
  • Llano $356,500
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Kingsland $892
  • Llano $998
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Kingsland $57,268
  • Llano $67,530
  • Texas $78,476
  • United States $80,734
See the full table
Kingsland next to Llano County and Texas
Measure Kingsland Llano County Texas U.S.
Typical home value $230,700 $356,500 $283,800 $332,700
Typical monthly rent $892 $998 $1,403 $1,413
Typical yearly household income $57,268 $67,530 $78,476 $80,734
Households that own their home 74% 77% 63% 65%
Typical yearly property tax $1,442 $2,658 $4,232 $3,119
Effective property tax rate 0.63% 0.75% 1.49% 0.94%
Renters with high rent for their income 52% 53% 52% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Llano 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 Kingsland

For a typical $230,700 home in Kingsland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kingsland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,854a month

    Least cash to close
    Down payment
    $8,075
    Cash to close
    $14,996
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $102

  • Conventional, 5% down $1,812a month

    Down payment
    $11,535
    Cash to close
    $18,456
    Rate
    7.18%
    Mortgage insurance
    PMI · $110

  • Conventional, 20% down, no PMI $1,468a month

    Down payment
    $46,140
    Cash to close
    $53,061
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,681a month

    Down payment
    $34,605
    Cash to close
    $41,526
    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 Kingsland and for Llano County.

Property tax

Effective rate in Kingsland

0.63%of the home’s value each year

$1,442 a year for the typical owner in Kingsland.

  • Kingsland 0.63%
  • Llano 0.75%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Llano County

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

Homes in the high-risk zone
10%
1,470
Of those, with NFIP insurance
56%
County Texas U.S.
Homes in the high-risk zone 10% 4.1% 3.5%
Of those, with NFIP insurance 56% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kingsland

Typical rent in Kingsland is $892 a month: 11% below the county. In Kingsland, 52% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Llano County, by unit size. To pay the 2-bedroom one ($1,102 a month) without spending more than 30% of your income, you would need to earn $21.19 an hour working full time.

HUD fair market rent for all of Llano 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 $838 $16.12 $33,520
1 bedroom $878 $16.88 $35,120
2 bedrooms $1,102 $21.19 $44,080
3 bedrooms $1,526 $29.35 $61,040
4 bedrooms $1,576 $30.31 $63,040

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 Kingsland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kingsland is in ZIP code 78639.

For 2 bedrooms it is $1,130: $28 more than the fair market rent for Llano County ($1,102).

  • 78639 $1,130$1,490

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kingsland 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 Kingsland

HUD lists 3 buildings with rents for lower incomes in Kingsland. These are the largest.

  • Kingsland Trails Apts 100 Kingsland Trail Loop, Kingsland 78639 76 low-income homes · 1 bd: 24 · 2 bd: 36 · 3 bd: 16 · In service since 2006
  • Townepark in Kingsland 101 Townepark Dr, Kingsland 78639 76 low-income homes · In service since 2002
  • Windwood I & II 100 Windwood Dr, Kingsland 78639 68 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness

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

Free help

Help to buy or rent in Kingsland

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 Llano County. The nearest ones are below; many serve by phone or online.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Kingsland

No down payment, repair or rent-help program on our list is for Kingsland or Llano County. The ones below are statewide in Texas: they work in Kingsland 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 Kingsland

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

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (512) 912-9884

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    512-472-8788x122

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 51 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (512) 385-1500

All counseling agencies in Texas

Help in Spanish near Kingsland

3 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 Kingsland

In HUD’s record, no housing authority with an office in Llano County is named for Kingsland or Llano County.

One other authority has an office in Llano County: see the list Source: HUD

Cities

Nearby cities

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

Everything about Llano County Housing in Texas

Neighboring counties

If Llano 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 Kingsland.

All guides
A father holds his baby and his young son by a white picket fence.

Questions

Housing questions about Kingsland

Short answers with the numbers for Kingsland and all of Llano 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 Kingsland?

The typical home value in Kingsland is $230,700, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Llano County it is $356,500.

How much does it cost to rent in Kingsland?

Typical rent in Kingsland is $892 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Llano County is $1,102.

What is the FHA loan limit in Kingsland?

Kingsland uses the FHA limit for all of Llano 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 Kingsland?

The typical homeowner in Kingsland pays $1,442 a year, according to the U.S. Census Bureau. That is 0.63% of the home’s value; in Llano County, the rate is 0.75%.

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

We found no HUD-approved counseling agencies with an office in Llano 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).