Kerrville, TX vs San Marcos, TX

Kerrville is moderately more affordable than San Marcos, with a 8.1% lower cost of living index. Kerrville scores 88 compared to 96 for San Marcos, where the US average is 100. This difference means residents of San Marcos can expect to pay noticeably more for everyday expenses, housing, and services.

On the housing front, median rent in Kerrville is $1,075/month compared to $1,299/month in San Marcos — a 17% difference. Interestingly, home values tell a different story: while Kerrville has cheaper rent, San Marcos actually has lower median home values ($269,700 vs $272,700).

Median household income in Kerrville is $59,431 compared to $51,030 in San Marcos (+16.5%). Kerrville offers a double advantage: higher earnings combined with a lower cost of living, giving residents significantly more purchasing power. Looking at affordability, residents of Kerrville spend roughly 21.7% of their income on rent, less than the 30.5% in San Marcos. The Kerrville ratio exceeds the commonly recommended 30% threshold, which can put pressure on household budgets.

Climate-wise, both cities share similar average temperatures (69.6°F vs 69.6°F). San Marcos receives more rainfall at 31.3" per year compared to 24.9" in Kerrville.