1st Advantage MortgageIn Kerr County, Texas, the typical household earns $69,395 a year and the typical rent is $1,109. Those figures describe the county, not you: compare at least three written offers by APR and total cost, and confirm the lender's license before you apply.
On this page
- Kerr County, TX: the basics
- What it costs to live in Kerr County
- How much Kerr County households make
- Employment and commuting in Kerr County
- Regional comparison for Kerr County
- Kerr County towns compared
- A Kerr County household budget, worked through
- Before borrowing in Kerr County
- People and households in Kerr County
- Checking a lender's license in Texas
- Checklist for Kerr County applicants
- Related local guides
- Frequently asked questions
Kerr County, TX: the basics
Roughly 53,489 residents live in Kerr County, Texas, 64th by population among the state's 254 counties and county equivalents. It covers 1,103 square miles of land, or about 48 people per square mile. No metropolitan area includes Kerr County in the 2023 federal delineation, so its numbers stand on their own rather than as part of a metro. The Census Bureau counts 3 places in the county (2 incorporated, 1 census-designated); the largest is Kerrville, with about 24,755 residents, or 46% of the county.
What it costs to live in Kerr County
Median gross rent, utilities included, comes to $1,109 in Kerr County versus $1,403 statewide. 45% of renting households spend 30% or more of income on rent, and 20% spend half or more. The median owner-occupied home is valued at $321,200, about 4.6 times the median household income. Owners occupy 70% of homes. Median construction year: 1987.
| Cost | Kerr County | Texas figure | Median county, U.S. |
|---|---|---|---|
| Median gross rent | $1,109/mo | $1,403/mo | $877/mo |
| Median home value | $321,200 | $283,800 | $185,300 |
| Owners | 70% | 63% | 75% |
| Rent-burdened renters | 45% | 52% | 45% |
| Burdened owners | 34% | 29% | n/a |
| Mobile homes | 16.8% | 6.4% | n/a |
| Vacant units | 12% | 9% | n/a |
How much Kerr County households make
Half of Kerr County households take in less than $69,395 a year and half take in more, 12% below the Texas median of $78,476. That places it 93rd among Texas's 254 county-level areas.
| Band | Kerr County | Compared with Texas |
|---|---|---|
| Under $35,000 | 20.7% | -0.7 pts |
| $35,000 to $99,999 | 43.9% | +4.5 pts |
| $100,000 to $199,999 | 27.1% | +0.4 pts |
| $200,000 or more | 8.2% | -4.3 pts |
About 21% of households earn under $35,000, while 35% clear $100,000. Census counts 11.4% of Kerr County residents in poverty, against 13.8% across Texas. The Gini index of income inequality is 0.456 (0 is perfect equality). None of these numbers decides a Kerr County application. Lenders weigh your own documented income against your own debts.
Employment and commuting in Kerr County
By the Census industry count, 23% of employed Kerr County residents work in education and health care and 12% in retail trade. Arts, lodging and food service stands out: 12% of workers here, versus 8% statewide. Averaged over the five survey years, 3.3% of the labor force was out of work and looking. About 72% drive to work alone and 11% have trips of 45 minutes or more. 6.2% of households have no vehicle.
| Sector | Kerr County | Compared with Texas |
|---|---|---|
| Education and health care | 23.4% | +1.8 pts |
| Retail trade | 12.3% | +1.3 pts |
| Arts, lodging and food service | 11.8% | +3.3 pts |
| Construction | 10.4% | +1.8 pts |
| Professional and administrative services | 9.9% | -3.0 pts |
| Other services | 8.2% | +3.3 pts |
Industry shapes paperwork. Salaried and public jobs are easy to verify, while hourly, tipped, commission or contract earners in Kerr County should have bank statements and tax returns ready.
Regional comparison for Kerr County
Distances run center to center, from Bandera County at 22 miles out to Mason County at 45. Income ranges from $39,605 in Real County to $114,962 in Kendall County; 5 of these neighbors top Kerr County's median.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Kerr County | - | $69,395 | $1,109/mo | 70% |
| Bandera County, TX | 22 mi | $75,813 | $1,149/mo | 86% |
| Gillespie County, TX | 31 mi | $76,162 | $1,340/mo | 75% |
| Real County, TX | 32 mi | $39,605 | $1,188/mo | 78% |
| Kimble County, TX | 37 mi | $69,455 | $790/mo | 79% |
| Kendall County, TX | 39 mi | $114,962 | $1,606/mo | 79% |
| Mason County, TX | 45 mi | $74,180 | $800/mo | 80% |
Kerr County towns compared
3 Census places fall mainly inside Kerr County; the 3 biggest are below. They account for 28,405 residents, leaving about 47% of the county in unincorporated, unnamed areas. Incomes vary by place: $115,833 at the median in Center Point, $44,813 in Ingram. Median rent ranges from $477 in Center Point to $1,086 in Kerrville. None of the 3 has its own city guide, so this page covers all of them.
| Name | Kind | Pop. | Income | Rent | Miles |
|---|---|---|---|---|---|
| Kerrville | city | 24,755 | $62,102 | $1,086 | 13 mi |
| Ingram | city | 1,917 | $44,813 | $1,003 | 7 mi |
| Center Point | CDP | 1,733 | $115,833 | $477 | 20 mi |
A Kerr County household budget, worked through
The debt-to-income ratio is the main affordability test lenders use. Applied to Kerr County's medians:
- Monthly gross at the median, Kerr County: $5,783
- Median rent: $1,109, or 19 cents of every gross dollar
- With a 35% ceiling, about $915 remains for car, card, student and any new loan payments
- Under a 45% cap, $2,602 total minus rent leaves $1,493
If your rent is above $1,109, the room shrinks dollar for dollar.
Before borrowing in Kerr County
The county's numbers point to a few situations that come up often for Kerr County borrowers.
- Uninsured care. 17% lack coverage here; nonprofit hospitals must publish an assistance policy, so ask for it first (guide).
- Repairs on manufactured housing. With 17% of homes here, compare a personal loan with any dealer or park repair program.
- Retirees. At a median age of 48.8, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Renters under pressure. When 45% pay 30% or more for rent, the smallest loan that solves the problem is the right size.
People and households in Kerr County
College graduates make up 31% of the adult population. About 17% go without health insurance.
| Measure | Kerr County | Texas statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 48.8 | 35.6 | 41.5 |
| Bachelor's or higher | 31.3% | 33.8% | 22.2% |
| No high school diploma | 9.7% | 14.0% | n/a |
| No health insurance | 17.3% | 17.1% | 7.8% |
| No vehicle | 6.2% | 5.4% | 5.4% |
| Work from home | 10.2% | 14.4% | 8.7% |
| Poverty rate | 11.4% | 13.8% | 13.2% |
| Unemployment (ACS) | 3.3% | 5.3% | 4.4% |
| Travel time to work | Workers |
|---|---|
| Under 15 min | 42.7% |
| 15 to 29 min | 32.6% |
| 30 to 44 min | 13.5% |
| 45 to 59 min | 4.6% |
| 60+ min | 6.6% |
Checking a lender's license in Texas
Before sharing details with a lender, a Kerr County resident can confirm its license with 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. More on Texas: Texas personal loans.
Checklist for Kerr County applicants
A short checklist for Kerr County borrowers:
- Price the Kerr County expense first and borrow that amount, no more.
- Shop at least three lenders, including one Kerr County-area credit union.
- Verify the Texas license before giving out your Social Security number.
- Ask about early-payoff penalties.
Related local guides
For statewide rules and data, see the Texas guide.
Frequently asked questions
What is the median household income in Kerr County?
$69,395 a year in the 2020 to 2024 Census survey, versus $78,476 for Texas. It ranks 93rd of 254 in the state.
How much is rent in Kerr County?
Median gross rent, utilities included, is $1,109 a month; 45% of renters spend 30% or more of income on it.
Does this page cover Kerrville?
Yes, along with the other 2 Census places in Kerr County, such as Ingram, Center Point.
Are Kerr County applicants treated differently?
No. Everyone answers the same questions and is screened on the same objective points; lending partners set their own criteria under fair-lending laws.
Is there a Kerr County office that licenses lenders?
No, licensing is statewide. In Texas it is the Texas Department of Banking.