Kyle, Texas.
Typical home $294,565 (-6.1% in a year), asking rent $1,566 (-3.3%). Austin-Round Rock-Georgetown, TX metro.
to buy the typical home at today's mortgage rate — +$667 (+76%) since Jan 2020.
- 1 year
- Down $19,025 -6%
- $313,590$294,565 since Sep 2025
- 5 years
- Down $55,602 -16%
- $350,168$294,565 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.
- Kyle$1,546
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Kyle, TX fell 6.1% over the past year — slower than the nation's +1.2%.
Asking rents in Kyle, TX fell 3.3% over the past year — slower than the nation's +2.7%.
Owning the typical home in Kyle runs $704/mo more than renting one. The gap peaked at $1,332 in Oct 2022.
That is $2,270 a month against $1,566 rent: a $1,546 mortgage payment, plus $408 property tax and $315 insurance & upkeep.
Owning vs renting — Kyle
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$2,270
- Renting$1,566
- Mortgage only$1,546
Property tax · $408/mo 1.66% of value a year — the ACS 2020-2024 median bill over the median home value for Hays County, TX
Insurance & upkeep · $315/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 Kyle, Hays County, Texas
Kyle is a city of 45,697 people in Hays County. Half its households earn more than $90,323 a year and half less, against $89,097 across Hays County; 9% of its people live below the poverty line. 67% of its homes are lived in by their owners and 33% are rented. Unemployment in Kyle was 3.5% in August 2026, and Hays County had 3.0% more jobs in 2025 than the year before. The most residents work in schools and health care, then shops.
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. Kyle is a growing city in Hays County, in the Texas hills just south of Austin. Its people are younger than in most places, and incomes run a little above the county's. Most homes are lived in by their owners, and renting is the smaller side of the housing market. Winters are mild, with little or no snow, and summers are hot, with August the warmest month.
Work. Many residents work in schools, hospitals and social care, in shops, in the building trades, and in professional and business services. Among the largest workplaces in Kyle are Hays Cisd Schools, H-E-B and Ascension Seton Hays. Commutes tend to be long, and a good number of people work from home.
Things to do. Closest to town are Bobcat Stadium and Harris Hill Raceway, a stadium and a race track, each a short drive away. A longer drive brings you to the Lady Bird Johnson Wildflower Center, a botanical garden, and the Blanton Museum of Art in Austin. Lady Bird Lake, a reservoir, is also a longer drive away.
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- 20,714households
- 31%of adults have a degree
- 9%below the poverty line
- 36 mintypical commute
- 13%work from home
What residents work in
Employed residents by industry, from the Census survey. Hays County had 98,495 jobs in 2025, 3.0% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 62° and lows near 39°; warmest in August, with highs near 97° and lows near 74°. About 37 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the San Marcos weather station, 9 miles away (NOAA).
Largest workplaces in Kyle
- Hays CisdSchool district3,139FTE
- H-E-BRetail908
- Ascension Seton HaysGeneral hospital783FTE
- AmazonCouriers and express delivery services550
- TK Supply Chain Services - KyleGeneral warehousing and storage412
- WalmartWarehouse clubs and supercenters339
- FedExCourier and express delivery services210
- Populus CareersEmployment agencies200
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 28 workplaces with 20 or more staff, 5,242 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); 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
- LightningRelatively high
- TornadoesRelatively high
- HailRelatively high
- Winter weatherRelatively high
- Heat wavesrelatively high in parts of KyleRelatively moderate
- Strong windrelatively high in parts of KyleRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Kyle’s census tracts, against the rest of the country; all of them together, relatively low. 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 Hays County and the Austin-Round Rock-Georgetown, TX metro.
Kyle home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Kyle$294,565
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 3 Kyle listings, and the typical home goes pending in 64 days — the market is cooling.
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.
- Kyle32.34%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Kyle64
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Kyle454
New listings per month
Sellers arriving at the market.
- Kyle89
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Kyle$287,762
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Kyle98.27%
Zip codes with a Kyle address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Kyle — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.