Kerr County, Texas has a 2026 one-unit conforming loan limit of $832,750, which is 2.6 times the county's median home value of $321,200, so a typical home there can be financed with a conforming (non-jumbo) loan; median household income is $69,395 (FHFA; Census ACS 2020–2024).
Data as of 2026. Source: FHFA 2026 conforming loan limits; U.S. Census Bureau ACS 2020–2024
| Item | Value |
|---|---|
| 1-unit limit (2026) | $832,750 |
| 2-unit limit | $1,066,250 |
| 3-unit limit | $1,288,800 |
| 4-unit limit | $1,601,750 |
| Median home value (ACS 2020–24) | $321,200 |
| Texas median home value | $283,800 |
| Limit ÷ median home value | 2.59× |
| Median household income | $69,395 |
| Median home value ÷ income | 4.6× |
| Population | 53,489 |
| Median property tax paid (owners) | $3,103 |
| Effective property tax rate (approx.) | 0.97% |
| Owner-occupied homes | 70.1% |
| Home value rank in Texas | 20 of 250 counties |
| Neighbor: Bandera County, TX | limit $832,750; median home $278,400 |
| Neighbor: Edwards County, TX | limit $832,750; median home n/a |
| Neighbor: Gillespie County, TX | limit $832,750; median home $460,700 |
| Neighbor: Kendall County, TX | limit $832,750; median home $512,700 |
| Neighbor: Kimble County, TX | limit $832,750; median home $201,300 |
| Neighbor: Real County, TX | limit $832,750; median home $112,500 |
Across Texas's 254 counties, FHFA's 2026 one-unit limits are $832,750 everywhere. Kerr County's median home value is 13% above the state median of $283,800 (rank 20 of 250). Among its 6 neighboring counties, Kendall County has the highest median home value ($512,700) and Real County the lowest ($112,500); all share the same loan limit. Owners pay a median $3,103 a year in property tax, an effective rate of about 0.97% of home value.
County data: U.S. Census Bureau, American Community Survey 5-year estimates 2020–2024 (tables B25077, B19013, B01003, B25103, B25003). Neighbors: Census county adjacency file.
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Last updated 2026-10-16. Data only, not financial or tax advice.