Find Your Bearing Start free trial

Fredericksburg, TX

Year-round Strong

One of the retirement towns we've already researched and scored. Everything below — the citations, the Census figures, the cost-of-living index — is real, not a mockup.

Scores

Golf Outdoor Healthcare Airport Climate Safety Natural Hazard Safety Air Quality Community character Restaurant / Bar Scene
Golf 7
Outdoor 8
Healthcare 5.5
Airport 4.5
Climate 7
Safety 7.5
Natural Hazard Safety 6.5
Air Quality 6.5
Community character 8
Restaurant / Bar Scene 6

Research

AI research, with sources

“Fredericksburg, TX is a small, well-kept Hill Country retiree market with strong scenery, a lively downtown, and good local healthcare, but higher housing and tax carrying costs than a typical small town.”

Fredericksburg offers an appealing mix of small-town character, golf and Hill Country recreation, a sizable older-population base, and a local hospital inside city limits. The main tradeoffs are elevated property carrying costs, hotter summers, and the need to drive to San Antonio or Austin for some specialty care, larger-airport service, and major-hub travel.

Cost of living & taxes Fredericksburg is not cheap for a small town, but Texas taxes and a moderate sales-tax load help offset the sticker shock.

Fredericksburg’s median home value is $436,900 in the city’s Census QuickFacts profile, and the county’s 2026 property tax rate is $0.2770 per $100 valuation, or 0.277% (QuickFacts[1]) (Gillespie County[2]). Texas has no state income tax, and the state sales tax rate is 6.25%, with Gillespie County adding 0.50% for a combined 6.75% local rate (Texas Comptroller[3]) (Gillespie County[2]). The state and county tax structure is confirmed, but a city-specific groceries index or city CPI series for Fredericksburg is not given here.

Healthcare access Fredericksburg has local hospital access, but complex specialty care generally goes to San Antonio.

Hill Country Memorial Hospital is inside Fredericksburg at 1020 South State Highway 16, and it is a Medicare-certified acute-care hospital with a 4-star CMS overall rating (Black Health listing of CMS data[4]). The local hospital gives residents an in-town option for emergency and routine inpatient care, but several local and retiree-oriented guides note that higher-acuity specialties, advanced neurology, oncology, and complex cardiac care usually mean a drive to San Antonio, roughly 60 to 80 minutes away depending on traffic (The Move Genie[5]). Medicare Advantage availability in Gillespie County is broad, with one local plan-shopping source reporting dozens of plan options for 2026, but plan networks still need to be checked against your preferred doctors and San Antonio systems (Price Services Group[6]).

Climate & weather The climate is warm and sunny, with hot summers, mild winters, and limited annual rainfall.

NOAA-normal climate data for the Fredericksburg station show about 29.5 inches of annual precipitation, with average monthly highs reaching 91.1°F in June and 95.1°F in August, and average January lows around 33.4°F (Climate charts using NOAA normals[7]). The same station data point to a comfortable outdoor season in roughly late October through April, when daytime highs are typically in the 60s to upper 70s and nights are cooler (Climate charts using NOAA normals[7]). An official sunny-days count for Fredericksburg is not given here.

Crime & safety County-level crime is available, but the city’s own FBI reporting is incomplete, so the county figure is the safer read.

For Gillespie County, one FBI-UCR-based county summary reports violent crime at 122.4 per 100,000 residents and property crime at 549.1 per 100,000 residents (Crime by County[8]). That same source flags partial coverage for 2022 with only 2 reporting agencies, which is important because FBI reporting is voluntary and incomplete after 2021, so a county figure is preferable to pretending the city-level record is complete (Crime by County[8]). A clean three-year city trend for Fredericksburg is not given here.

Housing market Fredericksburg, TX is a high-price, slower-moving Hill Country market with active adult options, but turnover is notably slower than the typical retirement-relocation sweet spot.

Fredericksburg city’s median value of owner-occupied housing units is $442,800, and Gillespie County’s is $432,300, which suggests a mid-$400Ks baseline for owner housing rather than a true sub-$300Ks market (Census QuickFacts[1], Census QuickFacts[9]). In local listing-market snapshots, Fredericksburg’s median list price is about $711,250 with a median 101 days on market, while ZIP 78624 shows a median list price of about $699K and 77 days on market, indicating a fairly expensive market that also moves slowly (Realtor.com Fredericksburg market[10], Realtor.com 78624 market[11]). 55+ inventory is present: active-adult communities such as Heritage Hill Country and Barons Park are marketed in Fredericksburg, and a recently delivered 62-unit active-adult build-to-rent community was also announced in town (Heritage Hill Country[12], Barons Park[13], Capital Square offering[14]).

Airport & travel Air travel is practical by car, but Fredericksburg depends on nearby regional-major airports rather than one of its own.

The nearest major commercial airports used for Fredericksburg are San Antonio International (SAT) and Austin-Bergstrom International (AUS), each commonly described as about 75 to 90 minutes away by car depending on traffic and route (TravelDojo[15]) (Texas Hill Country driving guide[16]). SAT is the closer and more convenient option for many travelers, while AUS is also a realistic choice for broader network access, especially if you are heading to East Coast or Midwest destinations via a hub connection (Texas Hill Country driving guide[16]). Drive times and nonstop routes for Fredericksburg’s nearest airport options are not given here.

Golf & recreation Golf is part of the appeal here, with multiple nearby courses and plenty of Hill Country outdoor recreation.

The number of public courses within 30 minutes of Fredericksburg is not given here. What is clear is that Fredericksburg sits in a recreation-rich Hill Country setting with wine-country driving, scenic roads, and easy access to general outdoor pursuits, while a municipal airport and local lodging infrastructure reflect the area’s recreation demand (USTripPlanner[17]). Golf-specific greens-fee and course-count data for Fredericksburg are not given here.

Community & demographics Fredericksburg is small, older than the U.S. average, and still feels like a liveable town rather than a resort strip.

The city’s 2024 Census QuickFacts population estimate is 11,766, and Census Reporter’s ACS-based profile shows a 2024 estimate of 11,419, underscoring the small-town scale (QuickFacts[1]) (Census Reporter[18]). Census QuickFacts also shows an owner-occupied housing unit rate of 59.0%, which is consistent with a stable residential base and not just short-term tourism traffic (QuickFacts[1]). Nearly one in three Fredericksburg residents is 65 or older (Texas Home Talk[19]).

Hazard & air quality Fredericksburg sits in Gillespie County, where hazard exposure is more about heat, wildfire, and flash-flood risk than hurricanes.

Fredericksburg is in Gillespie County, Texas (Wikiwand geography summary[20]). The county composite FEMA NRI score and top-hazard ranking for Fredericksburg are not given here. Texas AQI monitoring and reporting run through EPA/AirNow and TCEQ layers, but an annual good-air-days figure for Fredericksburg is not given here (AirNow[21]) (TCEQ AQI report[22]).

Sources (23)

Numbered sources are the ones cited inline above.

  1. U.S. Census QuickFacts: Fredericksburg city, Texas
  2. Gillespie County financial and tax rate information
  3. Texas Comptroller sales and use tax
  4. Hill Country Memorial Hospital CMS data summary
  5. Fredericksburg retirement guide
  6. Medicare plans in Fredericksburg, TX
  7. Fredericksburg, Texas climate and daylight charts
  8. Gillespie County crime and safety data
  9. Census QuickFacts: Gillespie County, Texas
  10. Realtor.com Fredericksburg, TX Housing Market
  11. Realtor.com ZIP 78624 Housing Market
  12. Heritage Hill Country
  13. Barons Park
  14. Capital Square Texas Active Living I
  15. Fredericksburg travel guide
  16. Texas Hill Country driving guide
  17. Fredericksburg road trips and access
  18. Census Reporter Fredericksburg profile
  19. Fredericksburg vs Boerne retirement
  20. Fredericksburg, Texas geography summary
  21. EPA AirNow interactive map
  22. Texas AQI report

Also consulted, not cited inline.

Cost of living

85.9 cost-of-living index for a retired household (100 = U.S. average) — about 14.1% below the national average for retirees.

Groceries93.5
Housing73.2
Utilities87.1
Transportation90.8
Healthcare91.8
Misc. goods & services89.9

General-population composite: 84.6. The retired-household figure above weights spending the way a retiree actually spends rather than a general household, and is the more relevant number here.

C2ER Cost of Living Index (Expanded Edition), 2026 Q2 (as of 2026). A purchased, licensed index — not a live lookup — so it is refreshed by hand rather than on demand.
Fredericksburg is not tracked separately by C2ER; using the nearest covered market, San Marcos TX (~62 miles).

Census figures

American Community Survey, 2020–2024 five-year estimates

Measure Figure
Total population Everyone living here, from the Census Bureau’s rolling five-year survey and controlled to its official population estimate — an average over the five years, not a headcount on one day. Source: Table B01001 on data.census.gov ↗ 11,419 plus or minus 22
Share of population aged 65+ calculated Residents aged 65 and over as a share of all residents, added up from the survey’s age brackets. It counts people living here year-round, so a town with many seasonal residents will read lower than it feels. Source: Table B01001 on data.census.gov ↗ 32.0% plus or minus 4.0 percentage points
Median household income The midpoint of what households here earned over the twelve months before they were surveyed — half earned more, half less. Not an average, and not per person: a household can be one earner or five. Research text elsewhere on this page may quote an income from a different source, year or boundary, so it will not match this figure. Source: Table B19013 on data.census.gov ↗ $64,534 plus or minus $9,415
Median home value The midpoint of what owners estimate their own homes are worth, across owner-occupied homes only. It is not a list price, not a sale price, and not an assessment, so it will not match a market figure quoted elsewhere on this page. Source: Table B25077 on data.census.gov ↗ $460,300 plus or minus $26,404
Median gross rent The midpoint of rent plus tenant-paid utilities across occupied rental homes — what sitting renters pay, not what is being advertised to someone moving in today. Source: Table B25064 on data.census.gov ↗ $1,386 plus or minus $60
Median real estate taxes paid The midpoint of the property tax actually paid by owner-occupied households, which reflects what they own and any exemptions they hold. It is not the rate a new buyer would pay on a purchase at today’s price. Source: Table B25103 on data.census.gov ↗ $5,328 plus or minus $436
Owner households spending 30%+ of income on housing calculated Owner households whose monthly housing costs — mortgage, taxes, insurance, utilities — take 30% or more of their income, out of the owner households for which that ratio can be computed. Renters are not in this figure. Source: Table B25091 on data.census.gov ↗ 28.0% plus or minus 9.2 percentage points This is a survey estimate and its margin of error is wide — about 33% of the figure itself, usually because the town is small. Treat it as a rough indication rather than a number to compare.

3 of 7 figures are precise enough to compare with another town. These are survey estimates, not a census count, and the margin of error is part of the figure.

Key details

RegionTX
AirportSAT - ~75-90 min (regional); AUS also viable
ClimateWarm-summer; ~29.5" rain; highs 91-95F summer, lows ~33F winter
Lot size0.15–0.35 ac (low-maintenance)
Home type1,700–2,400 sq ft single-level Hill Country ranch or patio home
Key watchHot summers; higher insurance on quality homes; drive time to specialist care
HealthcareHill Country Memorial Hospital (acute care); serious/specialty care = San Antonio
Best seasonOctober - April
Top communityDowntown-adjacent neighborhoods, Stonewall area, Morris Ranch, Fredericksburg Ranches

In your free trial: more on Fredericksburg

Retirement taxes: No state income tax · Typical home: $400K–$650K

Start your free 14-day trial or take the 2-minute quiz first →

More sample cities