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AI research, with sources“Kerrville is a small Hill Country retirement market with a strong age-65 profile, good outdoor access, and low local density, but its biggest watchouts are flood exposure along the Guadalupe and limited in-town specialty healthcare.”
Kerrville, Texas is appealing for retirees who want a relaxed Hill Country setting, a relatively older population, and access to golf, the Guadalupe River, and small-city amenities. The tradeoffs are that major specialist care generally requires a longer drive to San Antonio, and hazard planning matters because Kerr County has meaningful flood and severe-storm exposure.
Cost of living & taxes Kerrville is affordable relative to many Texas Hill Country retirement markets, but taxes and insurance can still bite.
Kerrville’s median value of owner-occupied housing was $272,700 in the latest Census QuickFacts release for the city, while the median household income was $59,431 (Census QuickFacts[1]). Texas has no state individual income tax, and Kerrville’s local sales tax rate is not reported in the city’s Census profile, so it should be verified directly before budgeting a move. BLS publishes CPI only at metro or city-average levels, not for Kerrville itself, so any cost-of-living comparison has to be made at the San Antonio metro level rather than as a city-specific CPI figure (BLS CPI[2]).
Healthcare access Kerrville has a local hospital, but serious specialty care is mostly a San Antonio trip.
Peterson Regional Medical Center is the main hospital in Kerrville, and Medicare Care Compare identifies it as an acute care hospital in Kerrville (Medicare Care Compare[3?] (unconfirmed source)). For post-acute care, Kerrville also has Medicare-listed nursing facilities such as Avir at Kerrville and Arbor View Nursing & Rehabilitation, which helps with rehab and longer-term support (Medicare Care Compare[4]). For specialty-heavy care, residents often look to the larger San Antonio medical market because the city itself does not have a major tertiary academic medical center.
Climate & weather Hill Country weather gives Kerrville long warm seasons, moderate rain, and hot summers.
NOAA climate normals for the Kerrville station show annual precipitation of 32.42 inches (NOAA normals via station summary[5]). The same normals show mean daily maximum temperatures rising from 59.1°F in January to 92.8°F in August, while mean daily minimums range from 33.8°F in January to 69.8°F in July (NOAA normals via station summary[5]). In practice, the most comfortable outdoor season is roughly late fall through spring, with summer heat limiting peak midday activity (NOAA normals via station summary[5]).
Crime & safety Kerr County’s FBI-based crime picture is better than national average on violence, but the local reporting landscape is incomplete.
County-level FBI-derived estimates show Kerr County’s average violent crime rate at 69.0 per 100,000 residents and property crime at 40.2 per 100,000, both below the national average in the source’s five-year view (Crime Explorer[6]). The same source says Kerr County is served by 7 law enforcement agencies and aggregates 2019 to 2024 data, which is useful because FBI reporting can be incomplete after 2021 in some places (Crime Explorer[6]). City-level Kerrville FBI crime figures are not given here; county-level figures are the safest published numbers to use here.
Housing market Kerrville’s housing market is moderately expensive for the Hill Country, with a median list price around $455K to $463K and homes typically taking about 67 to 77 days to go pending or sell, while active-adult community inventory appears to be present but was not directly confirmed in an agency or MLS community directory source.
Kerrville’s median list price was reported at $454,900 on Zillow for the city, with homes going to pending in around 67 days and a year-over-year home value change of -1.7% (Zillow[7]); Realtor.com’s Kerrville market page showed a median listing price of $463K and median days on market of 77 days (Realtor.com[8]). At the county level, Zillow put Kerr County’s median list price at $498,300 and median days to pending at 70 days, while Redfin reported a median sale price of $364K and homes selling after 61 days on market over the last three months (Zillow[9], Redfin[10]). Kerrville has higher-end single-family options in the target price band, but 55+ or active-adult communities there remain unconfirmed.
Airport & travel Kerrville is convenient for regional flying, but not for nonstop hub access from town.
Kerrville is served by Kerrville-Kerr County Airport, a public-use general aviation airport, but it is not a commercial airline airport (City of Kerrville Airport[11]). The nearest major commercial option is San Antonio International, which is typically the practical airport for scheduled service; search results also show Austin-Bergstrom as another nearby choice for longer-haul or backup travel (Kerrville airport page[11]). For frequent East Coast or Midwest travel, San Antonio is the main departure point rather than a true local hub.
Golf & recreation Golf options are solid for a small market, and the outdoor setting is a major retirement plus.
Kerrville has a notable local golf scene anchored by public and semi-private options rather than a large private club cluster, which suits an active retiree who wants frequent play without a luxury-club commitment. The area also benefits from Hill Country recreation, including river access and nearby hiking-oriented scenery, with the Guadalupe River corridor and surrounding terrain giving the town more outdoor variety than a typical small Texas city. Current green-fee schedules for Kerrville are not given here, so any fee estimate should be treated as locally variable and course-specific.
Community & demographics Kerrville skews older, more established, and distinctly retiree-friendly.
Kerrville’s population estimate was 25,141 in July 2024, and 28.1% of residents were age 65 and over in the Census QuickFacts profile (Census QuickFacts[1]). The same profile puts the median age at 41.7 in the Census Reporter ACS snapshot, with median household income at $59,431 and a homeownership rate of 57.9% (Census Reporter[12], Census QuickFacts[1]). Downtown Kerrville is compact and river-oriented rather than urban, which tends to suit retirees who want manageable scale, local dining, and a quieter civic feel.
Hazard & air quality Kerr County’s hazard profile is shaped by flood and severe storms, with wildfire a secondary but real concern.
Kerr County’s overall score is 77.2, and the county is described as relatively low overall but still with major hazard contributors (Risk by County[13]). Kerr County’s hazard profile includes inland flooding and wildfires, and the EPA says annual AQI reports count good-air days at the county or CBSA level rather than the city level (EPA AirData Reports[14]). The exact good-air-day count for Kerr County is not given here.
Sources (14)
Numbered sources are the ones cited inline above.
- U.S. Census Bureau QuickFacts: Kerrville city, Texas
- BLS CPI Home
- Medicare Care Compare hospital search
- Medicare Care Compare, Avir at Kerrville
- Kerrville 6.3 SW, Texas climate normals
- Crime Explorer, Kerr County, TX
- Zillow Kerrville housing market
- Realtor.com Kerrville housing market
- Zillow Kerr County housing market
- Redfin Kerr County housing market
- City of Kerrville, Airport
- Census Reporter: Kerrville, TX
- Texas FEMA NRI v1.20 Scores by County
- EPA AirData Reports
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.
| Groceries | 93.5 |
| Housing | 73.2 |
| Utilities | 87.1 |
| Transportation | 90.8 |
| Healthcare | 91.8 |
| Misc. goods & services | 89.9 |
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.
Kerrville is not tracked separately by C2ER; using the nearest covered market, San Marcos TX (~73 miles).
Census figures
| 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 ↗ | 24,755 plus or minus 39 |
| 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 ↗ | 28.2% plus or minus 2.3 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 ↗ | $62,102 plus or minus $3,309 |
| 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 ↗ | $303,400 plus or minus $18,511 |
| 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 ↗ | $1,086 plus or minus $97 |
| 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 ↗ | $3,738 plus or minus $325 |
| 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 ↗ | 26.0% plus or minus 5.1 percentage points This is a survey estimate and its margin of error is wide in absolute terms — the true figure could be anywhere from 21.0% to 31.1%, a range too broad to place this town against another. 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
| Region | TX |
| Airport | SAT - 1 hr 10 min (regional) |
| Climate | Humid subtropical; 32.4 in rain; hot summers, mild winters; best Oct-Apr |
| Lot size | 0.15-0.5 ac, low-maintenance |
| Home type | 1,800-2,600 sq ft single-level ranch or Hill Country-style home |
| Key watch | Flood insurance and drainage; summer heat; limited specialty care in town |
| Healthcare | Peterson Regional Medical Center; serious care = San Antonio |
| Best season | October - April |
| Top community | Comanche Trace, Tierra Linda, The Landing, Riverhill, Greenwood Forest |
In your free trial: more on Kerrville
Retirement taxes: No state income tax · Typical home: $500K–$750K
- A tax comparison using your income: how Kerrville's state treats Social Security, IRA and pension income, plus property and sales tax
- Carrying costs and break-even: insurance, HOA, utilities and property tax, and how long until moving pays off
- Example homes in your price range, with live searches on Zillow, Redfin and Realtor.com
- Golf clubs nearby, with membership and initiation costs
- A trip journal for scouting visits, with photos and a PDF report
- Two-home planning: pair Kerrville with a winter or summer town and see the combined budget
- Any U.S. town researched in about a minute, not just these
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