ZIP 78028 (Kerrville, TX) Housing Market & Real Estate Update – February 21, 2026
78028 – February 21, 2026 – Inventory stays elevated, homes take longer to sell, and rates eased this week. Here’s a quick Kerrville-area snapshot.
ZIP 78028 (Kerrville, Kerr County, Texas) continues to look buyer-friendly on speed and negotiation, even as list prices stay firm in many neighborhoods.
Top takeaways
- Closed-sale momentum softened: Redfin shows a January 2026 median sale price of $330,000 (down 12.0% year-over-year) and a 94-day median time to sell.
- Supply is still plentiful: Realtor.com estimates about 681 active for-sale listings in 78028, with year-over-year inventory up about 8.6%.
- Sellers are still conceding on price: sale-to-list is running around 93% in recent portal summaries, so sharp pricing and good condition matter.
- Financing got a small tailwind: Freddie Mac’s average 30-year fixed rate ticked down to 6.01% (Feb 19, 2026).
Market snapshot (last 30 days)
Pricing: Portal snapshots differ by methodology, but the theme is consistent: list prices are holding higher than many recent closed-sale medians. Realtor.com’s ZIP-level dashboard shows a median listing price around $469,000 and about $228 per square foot, while Redfin’s closed-sale median for January came in at $330,000.
Inventory and pace: Realtor.com lists roughly 681 homes for sale in 78028, and Redfin’s active-for-sale search shows about 594 listings. Homes are taking roughly three months to move .
Rentals: The rental side is active but not huge. Realtor.com pegs median rent near $1,725/month with about 68 rentals currently advertised in the ZIP. Rents were a bit softer month-over-month, but still higher than a year ago.
New construction and development watch
New-build options remain part of the mix in and around Kerrville. Realtor.com’s new-construction feed for Kerrville shows multiple fresh builds and builder offerings, which can influence nearby resale pricing (especially where builders are offering incentives). If you’re comparing resale vs. new, ask for the full incentive stack and verify what is included in the base price.
What’s for sale nearby (no addresses)
- Resale homes: Redfin currently shows hundreds of active listings in ZIP 78028 across a wide spread of price points and lot sizes.
- New construction: Realtor.com’s Kerrville new-construction search is a good place to track spec homes vs. build-to-order plans.
- Land/acreage: Hill Country small-acreage tracts are still being marketed; for example, Land.com shows a 5.01-acre tract in Kerr County priced around $275,000 (listing status checked in February 2026).
ServiceXTC local pros
Directory note: no verified ServiceXTC provider pages were available to attach to ZIP 78028 in today’s directory snapshot. (We’ll include local inspectors, trades, and remodel pros here as soon as matching pages are available.)
Sources (see link list in post metadata)
- Redfin: 78028 housing market and active listings
- Realtor.com: 78028 ZIP market dashboard and Kerrville new construction
- Freddie Mac: Primary Mortgage Market Survey (PMMS)
- UnitedStatesZipCodes.org: ZIP 78028 profile
- Land.com: Kerr County land listing example
What are you seeing right now in 78028: more price cuts, more buyer concessions, or homes still selling quickly when they’re updated and well-priced?