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City · 56,823 residents · Hays County, Texas

Kyle , Texas

In Kyle, a typical home is worth $334,600 and typical rent is $1,752 a month. Compared with all of Hays County, typical rent is 17% higher and the typical home value is 16% lower.

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  • Typical home value

    $334,600

    16% below the county

    18% above Texas

    • Kyle
    • Hays
    • Texas

  • Typical rent

    $1,752a month

    17% above the county

    25% above Texas

    • Kyle
    • Hays
    • Texas

  • Typical household income

    $90,323a year

    About the same as the county

    15% above Texas

    • Kyle
    • Hays
    • Texas

  • Households that own their home

    67%

    3 points above the county

    4 points above Texas

    • Kyle
    • Hays
    • Texas

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

Market now, with Zillow data

Zillow data
Typical home value
$294,565
6.1% less than 12 months ago
Typical rent
$1,566 a month
3.3% less than 12 months ago

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

Kyle is in Hays County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Hays County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Kyle apart

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

  1. Nearby, in Lockhart, the typical rent is $1,152: 34% less than in Kyle ($1,752).

  2. Nearby, in Lockhart, the typical home value is $251,600: 25% less than in Kyle ($334,600).

  3. According to Zillow, in the 12 months to September 2026 the typical home value in Kyle fell 6.1%; in Texas, it fell 1.4%.

  4. The typical rent in Kyle is $1,752 a month, 17% more than in Hays County as a whole ($1,495).

  5. The typical home in Kyle is worth $334,600, 16% less than in Hays County as a whole ($399,800).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Kyle

What homes there are in Kyle, 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 rules in Kyle: 75% of homes, more than in Hays County (66%).

Year built

The typical year built in Kyle is 2010, about the same as in Hays County (2007).

There is more room for a big family here: 79% of homes have 3 bedrooms or more, against 71% in Hays County.

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

About 94% of owner-occupied homes in Kyle are worth less than the FHA loan limit for Hays County ($571,550).

Monthly rent with utilities

With a mortgage

$1,991 a month

Hays County: $2,289 a month

Without a mortgage

$815 a month

Hays County: $855 a month

Owners with a mortgage

79%

Hays County: 68%

The typical cost for an owner with a mortgage in Kyle is $1,991 a month, less than in Hays County ($2,289); without one, $815.

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

Much as in Hays County, the typical home value in Kyle rose 70% since 2015–2019.

The typical rent in Kyle rose 20% over the same time; in Hays County, it rose 30%.

Housing prices ran ahead of income in Kyle: typical income rose 14%, against +70% for home values and +20% for rent.

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

MeasureKyleHays CountyTexasUnited States
Rental vacancy Unreliable estimate3.5%7.7%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate1.1%0.9%
More than one person per room 3.6%3.6%4.8%3.4%
People per household 2.712.612.692.53
Drive alone 77%70%71%69%
Carpool 9%9%10%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate2%2%3%
Work from home 13%18%14%15%
Other means Unreliable estimate1%2%2%
Typical commute 30 to 39 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

More than one person per room: that is how 3.6% of households in Kyle live, near the figure in Hays County (3.6%).

A household in Kyle has 2.71 people on average, about the same as in Hays County (2.61).

To get to work, 77% of workers in Kyle drive alone; in Hays County, 70%.

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 Kyle?

A typical home costs more than the typical income allows

We start with a typical home in Kyle, worth $334,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 40% of the typical household income in Kyle, which is $90,323 a year. For that payment to be 28% of income, a household would need to earn about $129,690 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Kyle. 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 $11,711 (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

$3,026

at 7.18% · 30 years

Loan amount
$328,540
Total interest
$472,691
Paid off in
November 2056

Includes $5,651 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,108 a month

  • Tight

    $2,108 to $2,710 a month

  • Hard

    more than $2,710 a month

    Your payment · 40%

Compared with the typical household income in Kyle ($90,323 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,026
Principal & interest$2,226
Property tax$513
Home insurance$139
FHA mortgage insurance (MIP)$148

You need at least $11,711 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

Kyle and Hays County

Kyle is in Hays 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).

Kyle's own numbers

Typical home value
$334,600
Typical monthly rent
$1,752
Typical yearly household income
$90,323
Households that own their home
67%
Effective property tax rate
1.84%

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

Numbers for all of Hays County

FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+44%
Homes in a high flood-risk zone
2.9%

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 Hays County.

Everything about Hays County

Buying

Buying a home in Kyle

A typical home in Kyle is worth $334,600: 16% below the county and 18% above Texas. With the typical household income in Kyle ($90,323 a year), a typical home costs 3.7 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.

  • Kyle 3.7 years
  • Hays 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 Hays County

According to FHFA’s house price index, home prices in Hays County rose 95% in the 10 years through 2025.

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

Period County Texas U.S.
Last year (2025) −0.1% +0.8% +2.9%
5 years (2020–2025) +44% +44% +47%
10 years (2015–2025) +95% +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

Kyle next to Hays 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
  • Kyle $334,600
  • Hays $399,800
  • Texas $283,800
  • United States $332,700
Typical monthly rent
  • Kyle $1,752
  • Hays $1,495
  • Texas $1,403
  • United States $1,413
Typical yearly household income
  • Kyle $90,323
  • Hays $89,097
  • Texas $78,476
  • United States $80,734
See the full table
Kyle next to Hays County and Texas
Measure Kyle Hays County Texas U.S.
Typical home value $334,600 $399,800 $283,800 $332,700
Typical monthly rent $1,752 $1,495 $1,403 $1,413
Typical yearly household income $90,323 $89,097 $78,476 $80,734
Households that own their home 67% 64% 63% 65%
Typical yearly property tax $6,170 $6,649 $4,232 $3,119
Effective property tax rate 1.84% 1.66% 1.49% 0.94%
Renters with high rent for their income 59% 60% 52% 51%

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

For a typical $334,600 home in Kyle, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Kyle's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,026a month

    Least cash to close
    Down payment
    $11,711
    Cash to close
    $21,749
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $148

  • Conventional, 5% down $2,965a month

    Down payment
    $16,730
    Cash to close
    $26,768
    Rate
    7.18%
    Mortgage insurance
    PMI · $159

  • Conventional, 20% down, no PMI $2,466a month

    Down payment
    $66,920
    Cash to close
    $76,958
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,775a month

    Down payment
    $50,190
    Cash to close
    $60,228
    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 Kyle and for Hays County.

Property tax

Effective rate in Kyle

1.84%of the home’s value each year

$6,170 a year for the typical owner in Kyle.

  • Kyle 1.84%
  • Hays 1.66%
  • Texas 1.49%

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

Exemptions and deadlines in Texas

Flood risk in Hays County

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

Homes in the high-risk zone
2.9%
2,033
Of those, with NFIP insurance
44%
County Texas U.S.
Homes in the high-risk zone 2.9% 4.1% 3.5%
Of those, with NFIP insurance 44% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Kyle

Typical rent in Kyle is $1,752 a month: 17% above the county. In Kyle, 59% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Hays County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 an hour working full time.

HUD fair market rent for all of Hays 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 $1,447 $27.83 $57,880
1 bedroom $1,530 $29.42 $61,200
2 bedrooms $1,817 $34.94 $72,680
3 bedrooms $2,292 $44.08 $91,680
4 bedrooms $2,689 $51.71 $107,560

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 Kyle

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Kyle has 2 ZIP codes with their own.

For 2 bedrooms it runs from $1,410 in 78666 to $1,770 in 78640.

None is above the fair market rent for Hays County ($1,817).

  • 78640 $1,770$2,230
  • 78666 $1,410$1,780

2 of these ZIP codes cross the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Kyle 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 Kyle

HUD lists 7 buildings with rents for lower incomes in Kyle. These are the largest.

  • Kyle Dacy 3800 Dacy Ln, Kyle 78640 324 low-income homes · For older adults, people with disabilities, families, people experiencing homelessness
  • Fairway Landings at Plum Creek 510 Kohlers Xing, Kyle 78640 216 low-income homes · 1 bd: 73 · 2 bd: 119 · 3 bd: 24 · In service since 2018 · For older adults, people with disabilities, families, people experiencing homelessness (512) 256-7770
  • Overlook at Plum Creek 4850 Cromwell Dr, Kyle 78640 94 low-income homes · In service since 2013 (512) 428-8558
  • Saddlecreek Apts 21393 Ih 35, Kyle 78640 104 homes, 80 low-income · In service since 2004
  • Pete Dressen Housing 101 Post Road Cir, Kyle 78640 30 low-income homes · For families (512) 268-7801

See all 28 buildings in Hays County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Kyle

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

A man listens closely, seated at a meeting table.

HUD counseling is free or low-cost

Assistance programs in Kyle

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

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

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 17 miles away · Spanish

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

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 21 miles away · Spanish

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

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 22 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 Kyle

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 Kyle

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

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

Cities

Other cities in Hays County

These cities are also in Hays County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Hays County Housing in Texas

Nearby cities

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

Neighboring counties

If Hays 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 Kyle.

All guides
A smiling girl holds up a small mushroom she found on a forest outing.

Questions

Housing questions about Kyle

Short answers with the numbers for Kyle and all of Hays 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 Kyle?

The typical home value in Kyle is $334,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Hays County it is $399,800.

How much does it cost to rent in Kyle?

Typical rent in Kyle is $1,752 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Hays County is $1,817.

What is the FHA loan limit in Kyle?

Kyle uses the FHA limit for all of Hays County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.

How much property tax do owners pay in Kyle?

The typical homeowner in Kyle pays $6,170 a year, according to the U.S. Census Bureau. That is 1.84% of the home’s value; in Hays County, the rate is 1.66%.

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

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