Mountain Home, Texas.
Typical home $482,393 (-7.8% in a year). Kerrville, TX metro.
to buy the typical home at today's mortgage rate — +$1,189 (+89%) since Jan 2020.
- 1 year
- Down $41,071 -8%
- $523,464$482,393 since Sep 2025
- 5 years
- Up $6,566 +1%
- $475,827$482,393 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.
- Mountain Home$2,532
- Texas$1,556
- United States$1,922
Typical home values in Mountain Home, TX fell 7.8% over the past year — slower than the nation's +1.2%.
Living in Mountain Home, Kerr County, Texas
The Census does not count Mountain Home on its own, so the figures here are Kerr County's. Half the county's households earn more than $69,395 a year and half less; 11% of the county's people live below the poverty line. 70% of the county's homes are lived in by their owners and 30% are rented. Unemployment in Kerr County was 3.9% in August 2026, and the county had 1.4% more jobs in 2025 than the year before. The most people in Kerr County work in schools and health care, then shops.
Written by AI Claude Haiku 5.5 wrote this on 22 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 It can be wrong or out of date.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. Mountain Home sits in Kerr County, in the Texas Hill Country, where the land rises and falls and rivers and creeks cut through it. Across the county, the population is older than in most of the country, and most homes are lived in by their owners. Winters are cool and summers are hot, with the hottest months of the year bringing long stretches of heat.
Work. Across Kerr County, many residents work in schools, hospitals and social care, in shops, in restaurants, hotels and entertainment, and in the building trades. Unemployment is low and has edged down over the past year, and the number of jobs has grown slightly. Fewer adults hold a four-year degree than the national average, and most workers drive to their jobs rather than working from home.
Things to do. Lost Maples State Natural Area is a protected area a longer drive away, set aside for its wild landscape. The Sabinal River is a river a longer drive away, a place to spend time by flowing water. Stonehenge II is an archaeological site a longer drive away, worth a visit for those interested in the area's older history.
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- 22,615households
- 48.8median age
- 31%of adults have a degree
- 11%below the poverty line
- 22 mintypical commute
- 10%work from home
What people in Kerr County work in
Employed residents by industry, from the Census survey. Kerr County had 19,746 jobs in 2025, 1.4% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 61° and lows near 30°; warmest in August, with highs near 94° and lows near 67°.
Average daily high and low, 1991–2020, at the Hunt West weather station, 7 miles away (NOAA).
Largest workplaces in Kerr County
- Peterson Regional Medical CenterGeneral hospital801FTE
- Kerrville ISDSchool district666FTE
- C.C.Butt Grocery CompanyRetail500
- Veterans Health AdministrationFederal government · Department of Veterans Affairs374
- WalmartWarehouse clubs and supercenters311
- Schreiner UniversityUniversity or college294
- Ingram ISDSchool district194FTE
- C.C.Butt Grocery CompanyRetail174
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 38 workplaces with 20 or more staff, 3,606 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24), federal offices from OPM's federal workforce data (2026) and colleges from IPEDS (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
- LightningRelatively high
- Winter weatherRelatively high
- Inland floodingRelatively moderate
- HailRelatively moderate
- TornadoesRelatively moderate
- DroughtRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Kerr County, 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 Kerr County and the Kerrville, TX metro.
Mountain Home home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Mountain Home$482,393
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 22 Mountain Home listings — the market is heating up.
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.
- Mountain Home4.60%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Mountain Home29
Zip codes with a Mountain Home address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Mountain Home — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.