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Market MapKerrville, TX
Metropolitan Area

Kerrville, TX

Texas0
48
/100
Hold
#748 of 894 metros
Top 84% nationally for investing

Market Snapshot

$374,137
Median Home Price
47% above national median
$1,840/mo
Median Rent
33% above national median
5.90%
Rent-to-Price Ratio
Top 50% nationally
-$765
Est. Monthly Cash Flow
With 20% down at 6.9% rate

Price History

Trend based on YoY growth rate. Source: Zillow ZHVI/ZORI

Quick Investment Calculator

20%
5%50%100%

Purchase

Purchase Price$374,137
Down Payment (20%)$74,827
Loan Amount$299,310
Interest Rate6.85%

Monthly Cash Flow

Gross Rent+$1,840
Monthly P&I-$1,961
Est. Expenses (35%)-$644
Net Cash Flow-$765/mo
3.8%
Cap Rate (all cash)
-10.7%
Cash-on-Cash Return
5.90%
Rent-to-Price Ratio
Negative leverage: At 6.85% rates, borrowing costs exceed the 3.8% cap rate. All-cash buyers may see better returns.

* Based on metro-wide median values. 35% expenses include taxes, insurance, maintenance, vacancy, and property management. Individual counties and properties vary significantly.

Run Full AnalysisTry House Hack Strategy

Score Breakdown

Overall Investment Score
48/100
48
Cash Flow(30%)
59/100

Based on 5.90% rent-to-price ratio. Higher ratios indicate stronger cash flow potential.

Appreciation(25%)
33/100

Based on -3.0% YoY price growth. Moderate growth (3-8%) scores highest.

Stability(25%)
50/100

Based on 0.0% population growth. Growing areas indicate economic stability.

Affordability(20%)
50/100

Based on price relative to estimated local incomes.

Scores are calculated using real Zillow metro-level home value and rent data, Census population data, and economic indicators. The weighted average produces the overall investment score. This metro score represents area-wide averages; individual counties may vary significantly.

Investment Outlook

Strengths

  • +Low unemployment (0.0%)

Challenges

  • -Declining home values (-3.0% YoY)
  • -Negative cash flow at typical financing (-$765/mo)
  • -Negative leverage (cap rate 3.8% < mortgage rate 6.9%)

Counties in Kerrville, TX

County data is being compiled for this metro area.

Compare to Similar Metros

Metro AreaVerdict
Big Stone Gap, VA
Big Stone Gap, VA
68$132,455Est.BuyView
Wisconsin Rapids, WI
Wisconsin Rapids, WI
68$229,999$1,0665.56%BuyView
Calhoun, GA
Calhoun, GA
68$279,627$1,6357.02%BuyView
Parsons, KS
Parsons, KS
68$97,701Est.BuyView
Austin, MN
Austin, MN
68$205,004$9775.72%BuyView
Current
Kerrville, TX
48$374,137$1,8405.90%Hold

The Bottom Line

HoldKerrville, TX is a neutral market. Consider house hacking or targeting below-market deals in specific counties.

The Kerrville, TX metro area scores 48/100, ranking #748 of 894 US metros (top 84%). The 5.90% rent-to-price ratio may require targeting specific counties or creative strategies for positive cash flow. Current metro-wide averages make traditional buy-and-hold investing challenging. Consider house hacking, value-add strategies, or drilling down to specific counties.

Monthly Cash Flow
$-765/mo
Cap Rate
3.8%
Cash-on-Cash
-12.3%

Ready to Invest in Kerrville, TX?

Use our investment calculators to run detailed numbers on specific properties, or explore individual counties for more targeted opportunities.

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