Boerne, Texas.
Typical home $555,988 (-0.3% in a year), asking rent $1,436 (-2.2%). San Antonio-New Braunfels, TX metro.
to buy the typical home at today's mortgage rate — +$1,451 (+99%) since Jan 2020.
- 1 year
- Down $1,781 -0%
- $557,770$555,988 since Sep 2025
- 5 years
- Up $55,747 +11%
- $500,241$555,988 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Boerne$2,918
- Texas$1,556
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 33 years.
Typical home values in Boerne, TX fell 0.3% over the past year — slower than the nation's +1.2%.
Asking rents in Boerne, TX fell 2.2% over the past year — slower than the nation's +2.7%.
Owning the typical home in Boerne runs $2,589/mo more than renting one. The gap peaked at $2,835 in Oct 2023.
That is $4,025 a month against $1,436 rent: a $2,918 mortgage payment, plus $511 property tax and $595 insurance & upkeep.
Owning vs renting — Boerne
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,025
- Renting$1,436
- Mortgage only$2,918
Property tax · $511/mo 1.10% of value a year — the ACS 2020-2024 median bill over the median home value for Kendall County, TX
Insurance & upkeep · $595/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Boerne, Kendall County, Texas
Boerne is a city of 17,850 people in Kendall County. Half its households earn more than $84,541 a year and half less, against $114,962 across Kendall County; 7% of its people live below the poverty line. 64% of its homes are lived in by their owners and 36% are rented. Unemployment in Kendall County was 3.8% in August 2026, and the county had 0.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Boerne is a small city in Kendall County, with a median age a little below the middle years, and plenty of its residents hold a four-year degree. Most homes are lived in by their owners, though somewhat fewer than across the county, and typical home values are high. Incomes in town run below the county's, and winters are mild with little or no snow, while summers are hot and the year brings a fair amount of rain.
Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in banks, insurance and property, and in the building trades. Boerne ISD and H-E-B are among the largest workplaces in town, along with Texas Star Nut and Food Co. Unemployment in the county is a little lower than a year ago, jobs have edged up, and some residents work from home.
Things to do. Cascade Caverns and Cave Without a Name, both tourist attractions, are a short drive away. Farther off, a longer drive takes you to San Antonio, where the Alamodome is a stadium and Six Flags Fiesta Texas is an amusement park.
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- 7,548households
- 48%of adults have a degree
- 7%below the poverty line
- 25 mintypical commute
- 16%work from home
What residents work in
Employed residents by industry, from the Census survey. Kendall County had 20,676 jobs in 2025, 0.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 62° and lows near 37°; warmest in August, with highs near 94° and lows near 70°. About 38 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Boerne weather station, a mile away (NOAA).
Largest workplaces in Boerne
- Boerne ISDSchool district1,270FTE
- H-E-BRetail513
- ALBANY INTERNATIONAL CORP AEC BOE OpsAircraft engine and engine parts manufacturing356
- Texas Star Nut and Food CoNuts, kernels and seeds, roasting and processing322
- WalmartWarehouse clubs and supercenters248
- E-Force LogisticsExpress delivery services154
- Town and Country Nursing and Rehabilitation Center105
- Cascade Kendall Health ServicesSkilled nursing facilities90
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 14 workplaces with 20 or more staff, 2,035 people in all. School districts come from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- LightningVery high
- TornadoesVery high
- Inland floodingVery high
- HailRelatively high
- Winter weatherRelatively high
- Strong windRelatively high
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Boerne’s census tracts, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Kendall County and the San Antonio-New Braunfels, TX metro.
Boerne home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Boerne$555,988
- Texas$296,424
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Boerne listings, and the typical home goes pending in 49 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Boerne26.18%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Boerne49
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Boerne507
New listings per month
Sellers arriving at the market.
- Boerne94
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Boerne$546,827
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Boerne97.67%
Zip codes with a Boerne address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Boerne — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.