Kerrville, TX home prices
Typical home $367,507 · -1.9% in a year · income needed $105,300
The Kerrville, TX metro area ranks 197 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed -1.9% in a year and +4.8% over five years. With 20% down at 7.11%, the typical home costs about $2,457 a month including 0.97% property tax (Kerr County rate).
Mortgage on the typical Kerrville home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $73,501 | $294,006 | $1,978 | $0 | $480 | $2,457 | $105,300 |
| 10% down | $36,751 | $330,756 | $2,225 | $138 | $480 | $2,842 | $121,800 |
| 5% down | $18,375 | $349,132 | $2,349 | $145 | $480 | $2,974 | $127,400 |
| 3.5% down (FHA) | $12,863 | $360,851 | $2,427 | $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.
Counties in the Kerrville area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Kerr County, TX | $367,529 | -1.9% | 0.97% |
What can you afford in Texas on your salary? · Texas home prices · Salaries in Texas
Frequently asked questions
How much is a house in Kerrville?
The typical home in the Kerrville, TX metro area is worth $367,507 (Zillow, September 2026).
What salary do you need to buy a house in Kerrville?
About $105,300 a year for the typical home with 20% down at 7.11%.