Cost of Living in Kerrville, TX

Homes For Sale In Kerrville, TX

An Overview of Cost of Living in Kerrville, TX

Getting a feel for the cost of living in Kerrville is essential for anyone planning to relocate, as it empowers them to make informed financial decisions, secure a comfortable lifestyle and maintain financial stability in their new environment. The cost of living in Kerrville is 100, which is 0% equal to the national average. Relocating individuals may need to adjust their savings and investment strategies based on the cost of living in the new location. It influences decisions about retirement planning, investments and financial goals.

In Kerrville, daily expenses such as food, housing, goods and services, transportation and health care are in line with comparable areas and about average when compared to all cities across the nation. This ensures that the cost of living in Kerrville will resemble that of an average city, contributing to a manageable cost of living.

What Do Locals Say About the Cost of Living in Kerrville?

The most insightful perspective on a city comes from its residents. We recently surveyed 7 locals to gauge their perception of the cost of living in Kerrville. The feedback revealed that 86% of respondents found the cost of living to be reasonable, with prices on the decline, while 14% regarded it as notably expensive with prices that continue to rise.

Is Kerrville Affordable?

Is Kerrville affordable? This is a pivotal question, especially when mulling over a move, as affordability carries substantial weight in your decision-making process. Factors such as the cost of living index (discussed earlier), housing expenses and income levels all contribute to a location's affordability. For instance, in Kerrville, the median home price is 9.1% higher than the national average and monthly rent prices are 5.3% lower than the typical rates. Additionally, the median income levels play a role in affordability, with Kerrville boasting a median household income of $73,559, 9.6% lower than the national average.

What Factors can Influence the Cost of Living in Kerrville?

Utilities: As with the prices of anything else, utility costs can exhibit significant variations, contingent on factors like climate, energy source availability, geographic location and state regulations. The expenses associated with electricity, water, heating, and waste disposal can fluctuate, either upward or downward, depending on the particular city or state. In Kerrville, the utilities index registers 15.2% lower than the national average.

Taxes: Regions that impose higher taxes, including sales and income taxes, can contribute to an increased cost of living. Higher taxes for everyday necessities such as clothing, utilities and food inevitably leads to higher expenditures. Additionally, a higher income tax rate can also play a role in elevating the overall cost of living. In Kerrville, the prevailing sales tax rate starts at 6.25%, and income tax rates kick off at 0%.

Groceries: The costs associated with groceries have witnessed substantial increases over the past 2-3 years. In select markets, food prices have escalated by more than 20% during this timeframe, whereas others have seen more restrained upticks. The variances in food expenses can exert a considerable influence on the overall cost of living in a given locale. In Kerrville, the groceries index is 6.9% lower than the national average.

Where is the Data From?

The cost of living in Kerrville, presented above is derived from the C2ER cost of living index, offering a practical method for assessing living cost disparities in urban areas. Published quarterly, this index compiles data from more than 300 independent researchers, encompassing over 60 goods and services in 6 categories. The weightings assigned to cost variances are informed by government survey data tracking the expenditure patterns of professional and executive households. It should be noted that the C2ER index does not include data on sales or income tax rates, however, AreaVibes incorporates tax rates into the overall cost of living score for each area.

Most Affordable Places to Live in and Around Kerrville

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Median Income & Debt-To-Income Ratio

A good indicator of the general affordability of housing in Kerrville, TX, is the percentage of monthly income that should be spent on housing expenses, otherwise known as the debt-to-income ratio (DTI). Generally speaking, no more than 28 percent of your total gross income should be spent on your housing expenses and not more than 36 percent of your gross income on total expenses, including debts. In Kerrville, the median monthly income is $91,966 for those who own their own homes. Under the standard rule, that income level would allow for $2,146 to be budgeted for housing expenses each month, at the most. Renters, on the other hand, earn about $59,983, per the median income in the area. That would allow for renters to spend up to $1,400 on monthly rental expenses.

Texas Sales Tax

Texas Income Tax

Goods & Services

Groceries

Health Care

Housing

Transportation

Utilities

Although the cost of living data is updated regularly, this cost of living information is to be used as estimates only as prices can change on an ongoing basis.

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Date & Last Updated: This data reflects 2025 and was released from C2ER in January, 2026; this is the most current data available.