Kerr County, Texas home prices
Typical home $367,529 · -1.9% in a year · property tax 0.97%
The typical home in Kerr County is worth $367,529, 24% more than the Texas typical home ($296,424). Values changed -1.9% in the past year and +4.7% over five years. Homeowners here pay a median 0.97% of their home's value in property tax each year ($3,551 on the typical home), versus 1.32% statewide.
Mortgage on the typical Kerr County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $73,506 | $294,023 | $1,978 | $0 | $480 | $2,458 | $105,300 |
| 10% down | $36,753 | $330,776 | $2,225 | $138 | $480 | $2,843 | $121,800 |
| 5% down | $18,376 | $349,152 | $2,349 | $145 | $480 | $2,974 | $127,500 |
| 3.5% down (FHA) | $12,864 | $360,872 | $2,428 | $163 | $480 | $3,070 | $131,600 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.97% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
What it takes: see what you can afford by salary in Texas · part of the Kerrville metro area.
Texas counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Hays County | $366,672 | -3.4% | 1.66% |
| Wise County | $370,072 | -0.3% | 1.14% |
| Ellis County | $370,493 | -0.8% | 1.35% |
| Mills County | $364,056 | +5.7% | 0.78% |
| Washington County | $363,966 | +0.2% | 1.09% |
| Fort Bend County | $374,185 | -2.1% | 1.86% |
| Waller County | $358,663 | -1.8% | 1.27% |
| Hood County | $379,202 | +0.2% | 1.05% |
| Lee County | $351,670 | -0.0% | 0.96% |
| Bastrop County | $351,578 | -4.6% | 1.41% |
Frequently asked questions
What is the average home price in Kerr County, TX?
The typical home value in Kerr County is $367,529 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Kerr County?
About $105,300 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Kerr County?
The median effective rate is 0.97% of home value a year (Census ACS 2024 5-year estimates).