Cost of living in Boerne, TX
Boerne is expensive by Texas standards. Median rent is $1,589 a month, 13% higher than the Texas median of $1,403, and the median home is worth $457,900, 61% higher than the Texas median of $283,800.
Cost of living22 of 100. Higher means more affordable.
Overall grade for Boerne: A-
- Median rent
- $1,589Texas $1,403
- 2-bedroom fair rent
- $1,650HUD FY2027
- Median home value
- $457,900Texas $283,800
- Monthly cost to buy
- $3,026Loan and property tax
- Property tax
- $6,232Median per year
- Income to rent
- $64,000At 30% of pay
Is Boerne expensive?
Prices only tell half the story. The typical household here earns $84,541, so the median home costs 5.4 times a year of income, against 3.6 times across Texas and 4.1 times across the US. So for people who earn local wages, homes here are harder to afford than in most of Texas.
Our cost of living grade for Boerne is D (22 of 100), comparing it with US cities of 10,000 to 50,000 people. A higher grade means more affordable.
| Measure | Here | Texas | US |
|---|---|---|---|
| Median rent13% higher than Texas | $1,589 | $1,403 | $1,413 |
| Median home value61% higher than Texas | $457,900 | $283,800 | $332,700 |
| Home value to income50% higher than Texas | 5.4x | 3.6x | 4.1x |
| Median household income8% higher than Texas | $84,541 | $78,476 | $80,734 |
| Renters paying 30%+ of income on rent3 points higher than Texas | 55% | 52% | 51% |
| Median property tax per year47% higher than Texas | $6,232 | $4,232 | $3,119 |
Rent in Boerne
HUD's fair market rents for Kendall County, TX HUD Metro FMR Area run from $1,276 for a studio to $2,470 for 4 bedrooms. A two-bedroom is $1,650 a month, which takes an income of about $66,000 a year to stay at 30% of pay. HUD figures include utilities and describe a typical, modest unit.
55% of renters in Boerne already spend 30% or more of their income on rent, against 52% across Texas.
Income you need to rent
| Unit | Rent | Yearly income at 30% |
|---|---|---|
| Studio | $1,276 | $51,000 |
| 1 bedroom | $1,285 | $51,000 |
| 2 bedrooms | $1,650 | $66,000 |
| 3 bedrooms | $2,285 | $91,000 |
| 4 bedrooms | $2,470 | $99,000 |
Buying a home in Boerne
Buying the median $457,900 home with 20% down ($91,580) and a 30-year loan at 7.28% costs about $2,506 a month for the loan plus $519 a month in property tax, $3,026 in all. Homeowners insurance, HOA dues and upkeep come on top.
That is $1,437 a month more than the median rent, so renting is cheaper month to month. Buying pays off mainly if you stay long enough for the home to build equity.
Taxes
Texas has no state income tax, which helps take-home pay. The trade-off is high property tax, set by the county, city, school district and other local bodies.
The median homeowner in Boerne pays $6,232 a year in property tax, 47% higher than the Texas median of $4,232 and 100% higher than the US median. Sales tax in most of Texas tops out at 8.25%.
Monthly cost to buy a median home
- Mortgage payment
- $2,506
- Property tax
- $519
- Median rent, for comparison
- $1,589
Based on a $457,900 home in Boerne, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median paid locally, or the county median where the local figure is not published. Insurance and fees are not included.
Boerne cost of living compared with nearby cities
Census medians. Cost grade compares each place with US places of its own size.
| Place | Distance | Median rent | Median home | Household income | Cost grade |
|---|---|---|---|---|---|
| Boerne | $1,589 | $457,900 | $84,541 | D | |
| Fair Oaks Ranch | 6 mi | $2,108 | $657,600 | $174,327 | B- |
| Scenic Oaks | 7 mi | $1,835 | $563,100 | $174,962 | D+ |
| Helotes | 16 mi | $2,500 | $399,000 | $132,675 | D+ |
| Timberwood Park | 16 mi | $1,998 | $510,600 | $157,100 | B- |
| Comfort | 16 mi | $979 | $330,200 | $80,580 | C |
What these numbers leave out
We only show costs we can source for Boerne itself: rent, home prices, property tax and incomes from the Census Bureau, fair market rents from HUD, and a mortgage payment at the current Freddie Mac average rate. Groceries, utilities, car insurance and health care are not included, because no public source publishes them city by city in Texas.
Cost of living in Boerne: common questions
Is Boerne, TX expensive to live in?
Boerne is expensive by Texas standards. Median rent is $1,589 a month, 13% higher than the Texas median of $1,403, and the median home is worth $457,900, 61% higher than the Texas median of $283,800. Prices only tell half the story. The typical household here earns $84,541, so the median home costs 5.4 times a year of income, against 3.6 times across Texas and 4.1 times across the US. So for people who earn local wages, homes here are harder to afford than in most of Texas.
How much do you need to earn to live in Boerne?
To rent a median home at $1,589 a month and keep rent at 30% of income, you need about $64,000 a year. To buy the median home, the monthly cost is about $3,026, which takes around $121,000 a year by the same rule.
What is the average rent in Boerne?
The median rent across all units is $1,589 a month (Census). HUD's fair market rent is $1,276 for a studio, $1,285 for 1 bedroom, $1,650 for 2 bedrooms, $2,285 for 3 bedrooms, $2,470 for 4 bedrooms.
How much is property tax in Boerne?
The median homeowner in Boerne pays $6,232 a year in property tax, 47% higher than the Texas median of $4,232 and 100% higher than the US median. Sales tax in most of Texas tops out at 8.25%.
Sources: US Census Bureau 2020-2024 ACS 5-year, HUD Fair Market Rents FY2027, Freddie Mac PMMS (week of 2026-10-01). Updated 2026-10-04.