Small city in Gillespie County

Living in Fredericksburg, TX

B+

43rd of 192Texas cities of 10,000 to 50,000 people
Overall score 79 of 100

Fredericksburg gets an overall grade of B+ and ranks 43rd of 192 Texas cities of 10,000 to 50,000 people. It does best on errands and things to do and getting around, and trails on home ownership and cost of living. It is a strong pick for young professionals and retirees.

  • Good for young professionals
  • Good for retirees
  • Errands close by
  • Low crime
  • Pricey
  • Short commutes
  • Cost of living scores low (17 of 100)
  • Home ownership scores low (15 of 100)
Map of Texas showing where Fredericksburg isHoustonSan AntonioDallasAustinFort WorthFredericksburg
Where Fredericksburg is in Texas.
Population
11,893+8.0% since 2020
Median rent
$1,386about the same as Texas
Median home value
$460,30062% higher than Texas
Household income
$64,534Median
Average commute
14 minOne way
Violent crime
84Per 100k, 2025

What it's like to live in Fredericksburg

Fredericksburg is a small city in Gillespie County. 11,893 people lived here in 2025, up 8.0% from 2020. It is spread out.

Places locals use include Old Fair Park, Oak Crest Park and Fort Martin Scott.

The median age is 48.5, 26% of households have children, 63% of homes are owned by the people living in them and the typical household earns $64,534 a year (18% lower than the Texas median).

Pros of living in Fredericksburg

  • Low violent crime. 84 violent crimes per 100,000 people in 2025, 78% lower than the Texas rate.
  • Short commutes. The average trip to work takes 14 minutes, against 27 across Texas.
  • Plenty close to home. 6 grocery stores, 160 restaurants and 13 parks are mapped in town.

Cons of living in Fredericksburg

  • Homes are pricey for local incomes. The median home costs 7.1 times the median household income, against 3.6 times across Texas.
  • Natural hazard risk. FEMA rates the risk of river flooding, tornadoes and hail as very high here.

Who Fredericksburg suits

  • FamiliesA reasonable fit: 75% of rated schools earn an A or B and violent crime is 78% lower than the Texas rate. Compared with similar Texas places, it beats 74% for families.
  • Young professionalsA strong fit: household income is 18% lower than the Texas median, with 160 restaurants and 13 cafes in town. Compared with similar Texas places, it beats 92% for young professionals.
  • RetireesA strong fit: 13% of working-age adults are uninsured and violent crime is 78% lower than the Texas rate. Compared with similar Texas places, it beats 83% for retirees.
  • Remote workersNot the best fit: 91% of homes have broadband and the median rent of $1,386 is about the same as the Texas median. Compared with similar Texas places, it beats 38% for remote workers.
  • People on a budgetNot the best fit: the median rent of $1,386 is about the same as the Texas median. Compared with similar Texas places, it beats 2% for people on a budget.

Fredericksburg report card

Ten grades, one for each part of daily life we measure. Most compare Fredericksburg with other US cities of 10,000 to 50,000 people. Schools, safety and errands compare it with other Texas cities of 10,000 to 50,000 people.

  • Cost of living: grade D

    Median rent $1,386, homes cost 7.1x income.

    17 of 100 vs US cities

  • Jobs and income: grade C

    Median household income $64,534, 4.3% unemployed.

    44 of 100 vs US cities

  • Schools: grade B-

    4 rated campuses, 75% rated A or B.

    59 of 100 vs TX cities

  • Safety: grade A-

    84 violent crimes per 100k, 619 property crimes per 100k.

    87 of 100 vs TX cities

  • Errands and things to do: grade A

    6 grocery stores, 160 restaurants, 13 parks mapped in town.

    90 of 100 vs TX cities

  • Getting around: grade A-

    Average commute 14 min, 13% work from home.

    87 of 100 vs US cities

  • Education levels: grade C+

    43% have a bachelor’s degree.

    54 of 100 vs US cities

  • Health: grade C+

    13% of adults uninsured.

    49 of 100 vs US cities

  • Home ownership: grade D-

    63% of homes owner-occupied.

    15 of 100 vs US cities

  • Internet access: grade C-

    91% of homes have broadband.

    36 of 100 vs US cities

Where Fredericksburg stands out compared with Texas

Better than Texas

  • Average commute: 14 min47% lower than Texas (27 min)
  • Adults with a bachelor's degree or higher: 43%9 points higher than Texas (34%)
  • Adults 18 to 64 without health insurance: 13%6 points lower than Texas (20%)

Worse than Texas

  • Home value to income: 7.1x97% higher than Texas (3.6x)
  • Vacant homes: 21%12 points higher than Texas (9.4%)
  • Median household income: $64,53418% lower than Texas ($78,476)

Cost of living in Fredericksburg

Rent is the cost most newcomers feel first. The median rent in Fredericksburg is $1,386 a month, about the same as the Texas median of $1,403. To keep that rent at 30% of income, a household needs to earn about $55,000 a year. Right now 59% of renters here pay more than 30% of their income on rent.

HUD sets fair market rents for this area at $1,216 for a one-bedroom, $1,591 for a two-bedroom and $1,896 for a three-bedroom (fiscal year 2027). These figures include utilities and describe a modest unit, so newer apartments often ask for more.

The median home is worth $460,300, 62% higher than the Texas median. With 20% down and a 30-year loan at 7.28%, the monthly payment comes to about $2,520 before tax, or $2,964 with property tax. That is $1,578 a month more than the median rent, so renting is the cheaper monthly choice unless you plan to stay for years.

Texas has no state income tax, but property taxes are among the highest in the country. The median homeowner in Fredericksburg pays $5,328 a year, 26% higher than the Texas median of $4,232. Budget for it, along with homeowners insurance, which our numbers do not include.

See the full cost of living breakdown for Fredericksburg

Typical rent by apartment size

Fair market rent by bedroom count in FredericksburgStudio$1,2091 bedroom$1,2162 bedrooms$1,5913 bedrooms$1,8964 bedrooms$2,292
HUD fair market rent for FY2027, Gillespie County, TX. This is what a typical, modest unit rents for, including utilities.
MeasureHereTexasUS
Median rentAbout the same as Texas$1,386$1,403$1,413
Median home value62% higher than Texas$460,300$283,800$332,700
Home value to income97% higher than Texas7.1x3.6x4.1x
Renters paying 30%+ of income on rent7 points higher than Texas59%52%51%
Median property tax per year26% higher than Texas$5,328$4,232$3,119
Homes owned by the people living in themAbout the same as Texas63%63%65%
Median year homes were builtAbout the same as Texas198619921980

Monthly cost to buy a median home

$2,964
Mortgage payment
$2,520
Property tax
$444
Median rent, for comparison
$1,386

Based on a $460,300 home in Fredericksburg, 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.

Is Fredericksburg safe?

In 2025, Fredericksburg Police Department reported 10 violent crimes and 74 property crimes. That works out to 84 violent crimes per 100,000 people, 78% lower than the Texas rate of 387, and 619 property crimes per 100,000, 70% lower than the state rate.

Violent crime is down about 46% since 2021, based on the yearly rates below.

Crime rates describe the whole area a police department covers. Some streets are much quieter than the average and some are busier, so look at the neighborhood grades and visit at different times of day.

Violent crimes per 100,000 people in Fredericksburg by yearTexas8420212022202320242025

Violent crimes per 100,000 people by year. The dashed line is the Texas rate for 2025.

Violent crime
84
per 100k, Texas 387
Property crime
619
per 100k, Texas 2,086
Property crimes per 100,000 people in Fredericksburg by yearTexas61920212022202320242025

Property crimes per 100,000 people by year.

Source: FBI Crime Data Explorer, Fredericksburg Police Department, 2025. Rates count reported crimes only and cover the area this police department serves.

Schools in Fredericksburg

Fredericksburg has 4 public school campuses with a 2025 state rating inside the city, and 75% of them earn an A or B. Most students here are served by Fredericksburg ISD.

Texas districts usually assign students by attendance zone rather than the closest campus, so check the zone for a specific address with the district before you sign a lease or buy.

Schools grade
59
of 100 vs Texas cities
Average rating
82
Texas median 81

Ratings are the 2025 Texas Education Agency A to F accountability ratings. Always check which school serves a specific address with the district.

Top-rated schools

  • BFredericksburg High SchoolHigh, Fredericksburg ISD84 of 100
  • BFredericksburg MiddleMiddle, Fredericksburg ISD82 of 100
  • BFredericksburg PriElementary, Fredericksburg ISD82 of 100
  • CFredericksburg ElementaryElementary, Fredericksburg ISD79 of 100

Daily life in Fredericksburg

Everyday places mapped inside Fredericksburg, from Overture Maps. Well-known spots include Old Fair Park, Oak Crest Park, Fort Martin Scott.

The average one-way commute is 14 minutes, 47% shorter than the Texas average. 13% of workers work from home. Fewer than 3% walk, bike or take transit to work, so plan on driving for almost everything.

The median household income is $64,534, income per person is $48,942, unemployment is 4.3% and 43% of adults hold a bachelor's degree.

Grocery stores
6
Pharmacies
7
Restaurants
160
Cafes
13
Bars
52
Parks
13
Gyms
10
Hospitals and urgent care
8
Childcare
2
Libraries
1

Jobs, income and education

MeasureHereTexasUS
Median household income18% lower than Texas$64,534$78,476$80,734
Income per person20% higher than Texas$48,942$40,752$44,673
Unemployment rateAbout the same as Texas4.3%5.3%5.2%
People below the poverty line5 points lower than Texas9.2%14%12%
Adults with a bachelor's degree or higher9 points higher than Texas43%34%36%
Adults with a high school diploma or higher5 points higher than Texas91%86%90%
Adults 18 to 64 without health insurance6 points lower than Texas13%20%11%
Homes with broadband internetAbout the same as Texas91%91%91%

Getting to work

MeasureHereTexasUS
Average commute47% lower than Texas14 min27 min26 min
Workers who work from home1 points lower than Texas13%14%15%
Workers who work from home13%
Workers who take transit0%
Workers who walk2.5%
Workers who bike0.3%

Who lives in Fredericksburg

Under 1819%
18 to 3416%
35 to 6433%
65 and over32%

Median age 48.5 years. 26% of households have children.

Race and ethnicity
White77%
Hispanic or Latino19%
Black0.3%
Asian0.5%
Other or more than one race3.3%

Shown for information only. It is never part of any grade.

Weather in Fredericksburg

Fredericksburg has a hot Texas climate. July highs average 93°F and January lows about 34°F. There are about 104 days a year at 90°F or above, and about 31 inches of rain a year.

Average monthly high and low temperatures in Fredericksburg30°50°70°90°60J64F71M78A84M90J93J94A88S79O68N61DRain

Average daily high and low by month, °F, with rain below. NOAA 1991 to 2020 normals from Fredericksburg, 3 mi away. Orange months average 90°F or more.

Natural hazard risk

FEMA's National Risk Index says river flooding risk is very high, hurricane risk is moderate, tornado risk is very high and hail risk is very high. Before you buy, look up the FEMA flood zone for the exact address and get a flood insurance quote, since standard home policies do not cover floods.

  • River floodingVery high
  • HurricanesModerate
  • TornadoesVery high
  • HailVery high
  • Heat wavesModerate
  • WildfiresVery high
  • Winter stormsVery high
  • Strong windVery high

Source: FEMA National Risk Index, December 2025, Census tract level averaged for the city. Check the FEMA flood map for any address before you buy.

Places near Fredericksburg

Nearby, Comfort gets an A, Harper gets a C and Kerrville gets a B. Each is graded against Texas places of its own size, so a small town and a big city can both earn an A.

  1. AComfortTown, 1,565 people21 mi
  2. CHarperTown, 1,214 people22 mi
  3. BKerrvilleSmall city, 24,755 people22 mi
  4. A-Center PointTown, 1,733 people25 mi
  5. D+IngramTown, 1,917 people25 mi
  6. C+Johnson CityTown, 1,921 people28 mi

Living in Fredericksburg: common questions

Is Fredericksburg, TX a good place to live?

Fredericksburg gets an overall grade of B+ and ranks 43rd of 192 Texas cities of 10,000 to 50,000 people. It does best on errands and things to do and getting around, and trails on home ownership and cost of living. It is a strong pick for young professionals and retirees.

How much does it cost to live in Fredericksburg?

Median rent in Fredericksburg is $1,386 a month, about the same as the Texas median. The median home is worth $460,300, 62% higher than the Texas median. A median home costs 7.1x the median household income, compared with 3.6x across Texas. With 20% down at a 7.28% rate, the monthly payment on a median home is about $2,964, including property tax.

Is Fredericksburg safe?

In 2025, Fredericksburg Police Department reported 84 violent crimes per 100,000 people, 78% lower than the Texas rate. Property crime was 619 per 100,000, 70% lower than the Texas rate.

Are the schools good in Fredericksburg?

We found 4 rated public school campuses inside Fredericksburg. 75% are rated A or B by the Texas Education Agency. Its schools score is 59 of 100 compared with other Texas cities of 10,000 to 50,000 people.

Does Fredericksburg flood?

FEMA rates river flooding risk in Fredericksburg as very high, and coastal flooding as not rated. Hazards rated high or very high here: river flooding, tornadoes, hail, wildfires, winter storms and strong wind. Always check the flood map for a specific address before you buy.

What is the weather like in Fredericksburg?

Summers in Fredericksburg peak at about 93°F in July, and January nights fall to about 34°F. Expect around 104 days a year at 90°F or hotter, and 31 inches of rain.

How long is the commute in Fredericksburg?

The average one-way commute is 14 min, 47% lower than the Texas average. About 13% of workers work from home.

Sources: US Census Bureau 2020-2024 ACS 5-year and 2025 population estimates, CDC PLACES 2025, Texas Education Agency 2025 ratings, FBI Crime Data Explorer, FEMA National Risk Index, NOAA climate normals, HUD fair market rents, Overture Maps. Updated 2026-10-04. How we grade.