Cost Of Living Kerrville TX - You CAN Afford It!

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Looking to put down roots in the Hill Country? Kerrville has neighborhoods for first-time buyers, retirees, and luxury seekers.

Here are five standout subdivisions—pricing snapshots, lifestyle notes, amenities, and who each area fits best.

5 Best Subdivisions in Kerrville, Texas

By Ryan Rendon · Updated · Category: Neighborhood Guides

Key takeaways:
  • Sendero Ridge: Starter-friendly pricing, smaller lots, low maintenance.
  • Keystone: Step-up quality and finishes, modest HOA, near schools and golf.
  • The Meridian (55+): Gated, quiet, yard care included, clubhouse & trails.
  • Comanche Trace: 27-hole golf, wide amenity set, prices from townhomes to estates.
  • Saddle Wood Estates: Gated acreage (1–5 ac), privacy and space, custom-home vibe.

Table of contents

  1. Sendero Ridge
  2. Keystone
  3. The Meridian (55+)
  4. Comanche Trace
  5. Saddle Wood Estates
  6. Conclusion
  7. FAQs

Sendero Ridge: Affordable and Low Maintenance

Sendero Ridge is ideal for first-time buyers or downsizers. The average home price is around $232,000, with typical homes about 1,450 sq ft. Lots are small, so yard work stays minimal. H-E-B is ~8 minutes away and Walmart ~12 minutes away, making daily errands quick. Recent examples include a 2BR/2BA at $239,500 and a 3BR/2BA at $263,000 (pending).

Keystone: Step Up in Quality

Keystone suits buyers seeking more space and higher-end finishes. Expect averages near $355,000 and 1,750 sq ft, with many stone exteriors and better craftsmanship than entry-level tracts. Lots remain modest for easy upkeep. Annual HOA is roughly $150 for roads/landscaping. The community is small, single-entrance, near the Schreiner University golf course and Tivy High School. Current offerings include 3BR/2BA homes at $405,000 and $440,000 (pending).

The Meridian: 55+ Gated Community

The Meridian provides a quiet, 55-plus gated setting with yard maintenance included. Amenities include a clubhouse, walking trails, and manicured common areas. Closed sales this year averaged about $445,000 and 2,000 sq ft. Numerous lots remain if you prefer to build. Located on the west side off Goat Creek Road, it’s tranquil yet accessible. Active listings range from $650,000 (3BR/3BA) to $495,000 (3BR/2BA) and $365,000 (3BR/2.5BA).

Comanche Trace: Golf Course Living

Comanche Trace centers on a 27-hole championship course with walking/biking trails, a stocked pond, tennis courts, fitness center, and a 24,000-sq-ft clubhouse with a quality restaurant. Average pricing hovers near $720,000 at roughly 2,900 sq ft, but options run from townhomes in the mid-$400s to estates approaching $2M. Current listings include a ~3,200-sq-ft 3BR/3.5BA around $1M plus other homes near $615k, $569k, $795k, and $725k. Access is off Bandera Highway with Hill Country views and resort-style living.

Saddle Wood Estates: Space and Privacy

Saddle Wood Estates is a gated acreage community for those who want elbow room. Lots span 1–5 acres. Average sale prices are about $780,000 with homes averaging ~3,700 sq ft; smaller (~2,000 sq ft) and larger (>4,000 sq ft) builds appear, too. HOA runs $400–$600/yr for gate and roads. Off Thompson Drive, it offers easy access to both H-E-B locations and Walmart. Current offerings: 4BR/3BA at $692,000 (~2,900 sq ft), 3BR/2BA at $699,000 (~3,000 sq ft), and a 5BR/5.5BA estate at $1.1M (>5,000 sq ft). Lots are also available for custom builds.

Conclusion

Kerrville has something for everyone—from low-maintenance starters to gated estates with sweeping views. Sendero Ridge and Keystone fit first-time buyers and downsizers, The Meridian offers a serene 55-plus environment, Comanche Trace caters to golfers and amenity lovers, and Saddle Wood Estates delivers privacy and space. Tour each area, compare HOA rules and commute times, and pick the neighborhood that matches your lifestyle.

Sources

FAQs

Which subdivision is best for first-time buyers?

Sendero Ridge typically offers the most affordable pricing and smaller, low-maintenance lots.

Where can I find the most amenities?

Comanche Trace features golf, trails, clubhouse dining, and fitness—ideal for amenity seekers.

Is there a 55-plus option?

The Meridian is a 55+ gated community with yard care included and quiet streets.

Which area has larger lots?

Saddle Wood Estates offers 1–5 acre parcels for added privacy and space.

How do HOAs compare?

HOAs vary: Keystone is modest (~$150/yr), Saddle Wood is ~$400–$600/yr; confirm current fees and rules before you offer.

Searching in Kerrville?

I’ll help you compare neighborhoods, HOA rules, taxes, and lifestyle fit—then line up smart tours.

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Transcript
In today's video, we are talking about the cost of living here in Kerrville, Texas. Let's get this video started right now. Hey, welcome back to the channel, guys. My name is Ryan, here with the Renton Realty Group, brokered by Real Broker. Today's video. We are talking about the cost of living here in Kerrville, Texas, and how it compares to other areas of Texas and also the United States, but also hyperlocal. How does Kerrville compare to Fredericksburg, Texas? So have you been thinking about moving to Kerrville? Possibly. Maybe you're thinking of just trying to find a small Texas hill country town to settle down and retire in, or maybe you're even thinking about trying to get your family away from the craziness that Austin has. San Antonio, Dallas. There's so much going on in those big cities, especially in today's day and age with the pandemic and everything else. Well, the Texas Hill Country may be the spot for you, specially Kerrville, but the one thing you need to make sure to ask yourself is what is the cost of living like in Kerrville? And how does it compare to where I'm moving from? So a really, really cool resource. I suggest using is this one right here, Best places dot net. So once you hop on this website you can put in there. Where are you moving from and where are you moving to. So for example, if you're moving from San Antonio, Texas to Kerrville, Texas, you just type in those two cities and what you can actually do is type in your salary as well. And what you'll do is break down the difference in cost of living between the two towns and cities. So if you're moving from San Antonio, you're making $70,000 a year. You actually may need to make more money in Kerrville to keep up the same cost of living standard. But on the opposite side of that, if you're moving from Kerrville to, let's say, San Francisco, well, you may just find out that you need to make a lot more money in San Francisco to keep up the same cost of living that you have here in Kerrville. Now, let me ask you this. Do you think it might be a good idea to figure out what the cost of living is here? Kerrville, if you're moving all the way from Houston, Dallas, or maybe even another state, well, you definitely want to break that down before making that big long trip or buying a house here in Kerrville. And to give you a hyper local example, the difference between Kerrville and Fredericksburg. It's absolutely insane. So from a real estate standpoint, the median sales price in Fredericksburg is around 381,000. The median sales price in Kerrville is $273,000. So if you've been debating on whether you should move or Fredricksburg or Kerrville, that's almost $700 a difference just on your mortgage payment alone. And one other thing I want to mention is the size and population of Kerrville. So not a lot of people know this, but we're pretty small town here. We only have right around 23 to 24,000 people. So if you compare that to other other towns here in Texas. Yeah. Paris, Texas. Stephen, Kerrville, University Park, Pecan Grove and even Kingsville that are all right around the same size as Kerrville, but kind of scattered throughout the northeast, east side and east side of Texas. Okay, one other thing I want to point out is the state of Texas map and the Texas Hill Country region. So one of the things that you need to know before moving to our area is the central Texas area Gillespie County, Mason, Llano, Blanco, Kerr County, Bandera. These regions of the Texas Hill country tend to be more expensive when it comes to a cost of living standpoint. You know, I mentioned a couple other towns earlier in this video. Off to the northeast and east areas of Texas. Most of those are off in this in this region over here. But again, when you compared those towns to the towns here around Kerrville, you know, Kerr County, Gillespie County, it tends to be a little bit more expensive to live here within the Texas Hill Country area. And I think that's partially due to the scenic routes, you know, the roads of county roads, the rivers, everything that we have is just a really, really pretty area to live. And I think that's one of the reasons why the cost of living has jumped up so much comparison to other regions of Texas. And if you're curious to know what real estate is going for here in Kerrville, Fredericksburg, the Hill Country in general, make sure you hop on my website down below which you can search residential property, farm and ranch. Or if you are looking for just a rental property, those are on there as well. So there is a breakdown for the cost of living here in Kerrville, Texas. And if you're thinking about moving to our area, make sure you watch my next video, which is the ten Things You Need to know before moving to Kerrville, Texas. Guys, my name is Ryan with the Rendon Realty Group. Make sure you hit the subscribe button, but also a little bell top so you can get notified anytime I put out videos just like this one. We'll see you next time.