1st Advantage MortgageAbout 79% of Kendall County homes are owner-occupied, and the median household income is $114,962. Your income, debts and credit decide what you qualify for. Get offers in writing, compare the total repaid, and never pay a fee up front.
On this page
- Getting oriented in Kendall County
- Work, industries and travel time in Kendall County
- What Kendall County households earn
- Housing costs in Kendall County
- Cities, towns and CDPs in Kendall County
- Kendall County and the counties next door
- People and households in Kendall County
- Reading the Kendall County data as a borrower
- Debt-to-income at Kendall County's medians
- Before you sign
- Who licenses lenders for Kendall County residents
- More guides for Kendall County
- Frequently asked questions
Getting oriented in Kendall County
The latest five-year Census estimate puts Kendall County's population at 48,567; only 73 of Texas's 254 county-level areas are larger. Land area is 662 square miles (2024 Gazetteer), so density runs near 73 per square mile. For statistical purposes it belongs to the San Antonio-New Braunfels, TX metro area, as delineated by the Office of Management and Budget in July 2023. Boerne is the biggest of its 3 Census places, at roughly 20,518 people (42% of the county total).
Work, industries and travel time in Kendall County
The biggest employer of Kendall County residents, by industry, is education and health care at 20% of workers, followed by professional and administrative services (15%). Compared with Texas, the county leans toward construction (13% against 9%). The survey's unemployment rate for Kendall County averages 4.7% over 2020 to 2024 (state: 5.3%). Long commutes are common here: 21% of workers spend 45 minutes or longer getting to work. 2.7% of households have no vehicle.
| Top industries | Kendall County share | +/- vs Texas |
|---|---|---|
| Education and health care | 20.0% | -1.6 pts |
| Professional and administrative services | 15.2% | +2.3 pts |
| Construction | 12.6% | +4.1 pts |
| Finance, insurance and real estate | 10.9% | +3.9 pts |
| Retail trade | 8.2% | -2.8 pts |
| Other services | 6.8% | +1.9 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Kendall County should have bank statements and tax returns ready.
What Kendall County households earn
At $114,962, the typical Kendall County household income is 75% above the median U.S. county ($65,681).
| Yearly household income | Kendall County | Gap to Texas |
|---|---|---|
| Under $35,000 | 13.7% | -7.7 pts |
| $35,000 to $99,999 | 31.4% | -8.0 pts |
| $100,000 to $199,999 | 30.7% | +3.9 pts |
| $200,000 or more | 24.2% | +11.7 pts |
About 14% of households earn under $35,000, while 55% clear $100,000. 5.0% of residents fall below the federal poverty line (statewide: 13.8%). Income from any regular source can count, including Social Security, pensions and disability benefits, as long as you can document it.
Housing costs in Kendall County
Median gross rent, utilities included, comes to $1,606 in Kendall County versus $1,403 statewide. Rent takes 30% or more of income for 55% of renter households here. Home values center on $512,700, or 4.5 years of median income. The ownership rate is 79%. Half the housing stock was built before 2002.
| Measure | Kendall County | Texas | Median U.S. county |
|---|---|---|---|
| Median gross rent | $1,606/mo | $1,403/mo | $877/mo |
| Median home value | $512,700 | $283,800 | $185,300 |
| Owners | 79% | 63% | 75% |
| Rent-burdened renters | 55% | 52% | 45% |
| Burdened owners | 28% | 29% | n/a |
Because most Kendall County households own, home repairs are a frequent reason to borrow. An unsecured personal loan leaves the house out of the deal, while a HELOC uses it as collateral. When half or more of renters are already stretched, a new payment needs a stress test: what happens if a paycheck is a week late?
Cities, towns and CDPs in Kendall County
Here are the 3 most populous of the county's 3 Census places, with income and rent from the same 2020 to 2024 survey. About 68% of Kendall County residents live in one of the 3. Fair Oaks Ranch has the highest median household income on the list ($174,327) and Comfort the lowest ($80,580), counting places with at least 500 residents. Median rent ranges from $979 in Comfort to $2,108 in Fair Oaks Ranch. This guide covers each of the 3 places and the rural areas around them.
| Place in county | Status | Population (ACS) | Median HH income | Monthly rent | Distance from center |
|---|---|---|---|---|---|
| Boerne | city | 20,518 | $84,541 | $1,589 | 11 mi |
| Fair Oaks Ranch | city | 10,728 | $174,327 | $2,108 | 14 mi |
| Comfort | CDP | 1,565 | $80,580 | $979 | 12 mi |
Kendall County and the counties next door
Distances run center to center, from Comal County at 29 miles out to Kerr County at 39. Income ranges from $69,395 in Kerr County to $101,889 in Comal County; none of these neighbors top Kendall County's median.
| County | Distance | Median income | Median rent | Owners |
|---|---|---|---|---|
| Kendall County | - | $114,962 | $1,606/mo | 79% |
| Comal County, TX | 29 mi | $101,889 | $1,603/mo | 77% |
| Blanco County, TX | 29 mi | $92,425 | $1,017/mo | 76% |
| Gillespie County, TX | 30 mi | $76,162 | $1,340/mo | 75% |
| Bandera County, TX | 35 mi | $75,813 | $1,149/mo | 86% |
| Bexar County, TX | 36 mi | $72,341 | $1,354/mo | 59% |
| Kerr County, TX | 39 mi | $69,395 | $1,109/mo | 70% |
People and households in Kendall County
Degree holders: 49% of adults over 25. 10.8% of residents have no health coverage.
| Kendall County | Texas | U.S. county median | |
|---|---|---|---|
| Median age | 43.2 | 35.6 | 41.5 |
| Bachelor's or higher | 48.9% | 33.8% | 22.2% |
| No high school diploma | 5.3% | 14.0% | n/a |
| No health insurance | 10.8% | 17.1% | 7.8% |
| No vehicle | 2.7% | 5.4% | 5.4% |
| Work from home | 21.6% | 14.4% | 8.7% |
| Poverty rate | 5.0% | 13.8% | 13.2% |
| Unemployment (ACS) | 4.7% | 5.3% | 4.4% |
| One-way commute | Share of Kendall County workers |
|---|---|
| Under 15 min | 30.2% |
| 15 to 29 min | 19.9% |
| 30 to 44 min | 29.2% |
| 45 to 59 min | 11.5% |
| 60+ min | 9.2% |
Reading the Kendall County data as a borrower
What the Kendall County figures suggest, and what to check first:
- Uninsured care. 11% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Keeping the car running. At 21% with long commutes, repairs are a frequent Kendall County emergency; first decide if the car is worth fixing.
- Six-figure budgets. For the 55% earning $100,000 or more, lifestyle creep, not approval, is the usual problem.
- Renters under pressure. When 55% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
Debt-to-income at Kendall County's medians
Kendall County at the medians, through a lender's eyes (what DTI means):
- Median income divided by twelve: $9,580 before taxes
- Less median rent of $1,606, which is 17% of it
- Under a 36% cap, $3,449 total minus rent leaves $1,843
Lenders set their own limits and look beyond the ratio. The DTI calculator uses your figures instead of Kendall County's.
Before you sign
Four checks before you sign anything:
- Write down what the expense costs; a smaller loan costs less.
- Ask each lender for the APR and all fees in writing.
- A Texas license check takes minutes; do it first.
- Never pay a fee up front to get a loan.
Who licenses lenders for Kendall County residents
Consumer lenders serving Kendall County are licensed by the state, not the county; in Texas that is the Texas Department of Banking. Texas also has the Office of Consumer Credit Commissioner for consumer credit. The Consumer Financial Protection Bureau accepts complaints nationwide. The Texas guide covers state rules in more detail.
More guides for Kendall County
For statewide rules and data, see the Texas guide.
Frequently asked questions
What does a typical Kendall County household make?
About $114,962 a year at the median (ACS 2020-24), 46% above the Texas median.
How much is rent in Kendall County?
Median gross rent, utilities included, is $1,606 a month; 55% of renters spend 30% or more of income on it.
I own my home in Kendall County. Personal loan or HELOC?
A HELOC uses the house as collateral; a personal loan usually does not. With 79% of homes owner-occupied here, many readers can compare both in writing.
I live in a small Kendall County town. Is this my guide?
Yes. If your town has no city guide, this county page is the local one; it covers Boerne, Fair Oaks Ranch, Comfort.
Is the fit check different in Kendall County?
No. It is identical everywhere, and it never looks at your neighborhood.