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Kerrville city, TX

ZIP 78028 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78028

Median Home Value
$281,300
Median Rent
$975
Affordability Snapshot
$77,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,807/mo PITI).

18%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

24.0 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 78028 in Kerrville city, TX, a household would need roughly $77,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,807. That is about 18% above the local median household income ($65,486), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
67.6%+3% vs US avg
x
Vacancy Rate
9.4%-9% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
2.6%-83% vs US avg
x
Built Pre-1939
4.7%-63% vs US avg
x
Built Post-2014
2.0%-70% vs US avg
x
Rent Burden >30%
17.8%-64% vs US avg
x
Mortgage-Free
56.3%+47% vs US avg
x
$281,300
Home Value
$975
Rent
1986
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached65.3%
  • 1-unit attached2.9%
  • 2-9 units9.6%
  • 10+ units7.7%
  • Mobile home & other14.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$281,300
Median rent$975
Owner-occupied67.6%
Vacant9.4%
Price-to-income4.3x
Est. income to buy$77,000