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Bandera
Texas

21K

Population

$71K

Median Income

$339K

Median Home

R+57

Politics

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What stands out

If you had to describe Bandera County in numbers, start here: the average commute is among the longest in America (36 minutes), homeownership is among the highest in America (87%), and the uninsured rate is in the top 4% of American counties (20.0%). Within Texas it ranks 1st of 94 counties for the average commute.

Where you are

You live in Bandera County, Texas. 21,182 people live here with you. The population grew 2.3% last year, and more Americans moved in than out (net +620).

Texas has no income tax and no estate tax, and its constitution prohibits an income tax without a statewide vote. Property taxes are among the highest in the country and are the main source of local school funding; the 2023 legislature raised the homestead exemption to $100,000 to offset that. Homeowner insurance costs are high along the Gulf coast and rising statewide after hail and freeze events. The grid is independent of the rest of the country.

Money

The typical household here brings in $70,965 a year, higher than 76% of American counties. Employers pay an average wage of $45,515. Unemployment runs 3.7%, higher than 60% of American counties. 7% of workers work from home; for the rest the average commute is 36 minutes each way.

Texas has no state income tax, so none of that goes to the state.

Home

The median home costs $340K, pricier than 77% of American counties, about 2.8 years of the median household's income. A two-bedroom rents for around $938 a month. Property tax is 0.97% of home value, roughly $2,292 a year on that median home, higher than 57% of American counties. 87% of households own rather than rent.

Safety and health

Violent crime here is 3.7 per 1,000 residents, lower than 62% of American counties. Drug overdoses killed 10 people per 100,000 in 2024.

A child born here can expect to live 77.5 years, longer than 70% of American counties. There are 15 active physicians in the county, about 7.1 per 10,000 people. 20.0% of people under 65 have no health insurance.

School

Local students test at grade level 2.77 where 3.0 is national grade level, lower than 72% of American counties. 92% of adults finished high school.

Neighbors and politics

In 2024 your neighbors voted Republican by 57 points, among the most lopsided counties in the country. 70% of eligible voters turned out. Under Texas law you can carry a concealed handgun without a permit, abortion is banned with narrow exceptions, and marijuana is medical only.

Weather and risk

The year averages 69°F, highs near 81 and lows near 57, warmer than 95% of American counties. About 29 inches of rain and snow fall a year. FEMA puts natural-hazard risk at 52 out of 100, riskier than 52% of American counties; the county has had 17 federal disaster declarations since 1953.

Getting around, going out

Home internet averages 185 Mbps down, slower than 56% of American counties. There are 7 airports in the county, counting general aviation. For a night or a weekend out: 0.5 full-service restaurants per 1,000 people.

Written from the figures below. Percentiles compare this county with every other county that reports the same figure; missing figures are left out rather than guessed.

Economy

Median Household Income$71K
This county
national avg ~$75K
Poverty Rate11.7%
This county
national avg ~11.5%
Unemployment Rate3.7%
This county
national avg ~3.8%
GDP per Capita$22,983
Federal Spending per Capita$212
Median Individual Earnings$36K
This county
national avg $45K
Professional/Management Workers38.8%
Average Adjusted Gross Income$79K
Avg Credit Score670
Work From Home %6.8%
This county
national avg 17.0%
Population Under 1816.8%
This county
national avg 22.0%
Single-Person Households27.8%
This county
national avg 28.0%
Banks & Finance Firms7
Income (20th Percentile)$28K
Income (80th Percentile)$129K
Income (95th Percentile)$230K
Bachelor's Degree or Higher27.3%
This county
national avg 34.3%
Less Than High School8.0%
This county
national avg 11.0%
Knowledge Economy GDP %10.2%
Dependency Ratio0.81
Medicare Spending / Person$4,283
SS Benefits / Person$6,185
Education Wage Premium2.17x
Median Earnings (Bachelor's)$48K
Median Earnings (Graduate)$64K
Median Earnings (HS Diploma)$30K
Public Assistance Recipients1.2%
Average Annual Wage$46K
Professional Services Concentration0.34x national
This county
1.0 = national average share
Federal Government Jobs Located Here24
Federal Share of Jobs Located Here0.6%
Residents Who Work for the Federal Government2.7%
Federal Civilian Share of Earnings0.6%
Federal Contract Dollars Performed Here (FY2025)$172,146
Contract Dollars Relative to Local Wages0.00x wages
Largest Award's Share of Contract Dollars92%

Housing

Sources: Zillow ZHVI · Census ACS 2022 · Tax Foundation 2023 (effective rates)

Median Home Value$339K
This county
$340K state avg
$303K national
Market Rent (ZORI)$1150/mo
This county
$1600/mo state avg
$1400/mo national
Property Tax Rate0.97%
This county
1.60% state avg
1.10% national

Annual tax on median home: $2,292

Affordability & Supply

HUD Fair Market Rent (2BR)$1,426/mo
Home Price Change (1 yr)-6.5%−+7.6% since 2024
Home Value to Income Ratio2.8x income
Severely Cost-Burdened Households9.0%
Homeownership Rate87.5%
This county
national avg ~65%

Market Activity

Sources: Zillow Research monthly · Redfin

Listings with Price Cuts— Low — market moving fast
19.8%
Active Listings
282
New Listings / Month
34

Source: Zillow Research · Updated monthly

Days on Market (Redfin)— Slow — buyers have leverage
113 days
Months of Supply (Redfin)— High inventory — buyers market
16.9 mo
Sold Above List (Redfin)
0.0%
Sale-to-List Ratio (Redfin)— Buyers market — homes selling below list
94.4%

Source: Redfin · Updated monthly

Health

Life Expectancy77.5 yrs
This county
national avg ~78.5 years
Food Insecurity13.4%
This county
national avg ~11%
Food Environment Index6.9 / 10
This county
higher = better access
Primary Care Shortage Score17
This county
national avg 5
Mental Health Shortage Score16
Dental Care Shortage Score17
Healthcare Shortage Score11.0
Healthcare Offices13
Obesity Rate (BRFSS)35.4%
This county
national avg 32.0%
Smoking Rate (BRFSS)14.2%
This county
national avg 14.0%
Poor Health Rate (BRFSS)20.0%
This county
national avg 18.0%
Physical Inactivity (BRFSS)26.8%
This county
national avg 24.0%
High Blood Pressure (BRFSS)31.9%
This county
national avg 32.0%
Active Physicians15
Nursing Home Rating1.5 / 5
This county
national avg ~3 stars
ER Visits per 1,000 Medicare Patients466 / 1,000
Medicare Cost per Beneficiary$11,014
Uninsured (under 65)20.0%
This county
national avg ~10%
Adults with Depression24.9%

Education

Math Test Scores2.80 grade level
Reading Test Scores2.73 grade level
HS Diploma Holders4,002
Bachelor's Degree Holders2,783
HS Completion Rate92.0%
This county
national avg ~85%
Private Schools3

Safety

Violent Crime Rate3.7 / 1,000
This county
national avg ~4.0
Firearm Fatality Rate23.7 / 100K
This county
national avg ~13.6/100K
Traffic Fatalities6
Social Vulnerability (CDC SVI)59th pct
Drug Overdose Deaths (2024)9.5 / 100K
Suicide Rate29.4 / 100K
This county
national avg ~14/100K

Climate & Air Quality

Natural Amenity Scale5.8
January Sunshine1.61
January Temperature1.29
Average Temp69°F+1.3% since 2022
Avg High Temp81°F+0.2% since 2022
Avg Low Temp57°F+2.7% since 2022
Median AQIAQI 53
Good Air Days152 days/yr
Unhealthy Air Days12 days/yr
Annual Precipitation28.6 in/yr+109% since 2022
Avg Storm Events7.6 storms/yr
Avg Annual Storm Damage$10K
Drought Index (2022)-1.89
Heating Degree Days1,461 HDD/yr
This county
national avg ~4,500 HDD/yr
Cooling Degree Days2,959 CDD/yr
This county
national avg ~1,200 CDD/yr
Heating Degree Days (1901–2000 Baseline)1,960 HDD/yr
Cooling Degree Days (1901–2000 Baseline)2,402 CDD/yr
Avg Tornadoes / Year0.0
Avg Flood Events / Year0.4
Avg Hail Events / Year6.0
Avg Hurricane Events / Year0.00
Avg Wildfire Events / Year0.0
Avg Winter Storms / Year0.0
Avg Heat Events / Year0.0
Natural Hazard Risk (FEMA)52 / 100
Community Resilience (FEMA)29 / 100
Federal Disaster Declarations17 since 1953
Fine Particulate Pollution (PM2.5)8.0 µg/m³
This county
EPA standard 9 µg/m³

Outdoor & Recreation

Historic Places (NRHP)4 properties
FAA-Registered Airports7 total
Airports (excl. heliports)7 airports

Internet & Remote Work

Download Speed185 Mbps
This county
national avg ~120 Mbps
Upload Speed164 Mbps
Fixed Internet (Q1 2026)240 Mbps
Mobile Internet (Q1 2026)174 Mbps
Mobile Upload (Q1 2026)12 Mbps
Mobile Latency (Q1 2026)28 ms
Households with 100Mbps+89.0%
This county
national avg 75.0%
Cellular-Only Internet16.8%
This county
national avg 8.0%
Fixed Upload Speed (Q1 2026)205 Mbps

EV Infrastructure

EV Charging Stations5 stations
DC Fast Chargers2 chargers
Level 2 EV Chargers7

Commute & Transit

Remote Workers606 workers
Public Transit Commuters0 workers
Walk to Work (workers)133 workers
Extreme Commutes (90+ min)524 workers
Avg Commute Time36.1 min
This county
national avg ~27 min
Walk to Work1.5%

Families & Childcare

Childcare Cost Burden26.9%
This county
national median ~27% of household income
Childcare Centers5.0 per 10K residents

Civic & Community

Voter Turnout69.6%
This county
national avg ~55%
Volunteering Rate1.0%
Income Inequality (Gini)4.616
Nonprofit Organizations168
Veterans Share12.9%
This county
national avg 7.0%
Married Adults57.2%
Never-Married Adults21.3%
Divorced Adults14.2%
Religious Organizations23
Asian Population0.5%
Native American Population0.7%
Membership Associations10.7 per 10K residents

Lifestyle & Services

Full-Service Restaurants0.46 per 1K residents
Nursing & Care Facilities4
Grocery Stores7
Hotels & Lodging21
Recreation Businesses4
Professional Services Firms35
Veterinary Practices10
Real Estate Firms27
Debt Burden
Avg Mortgage Balance$64K
Avg Student Loan Balance$10K
Avg Credit Card Balance$5K
Loan Delinquency Rate51.0%
This county
national avg 4.0%

Innovation

Inventor Rate0.13%

Politics

R+57

2024 Presidential · Texas was R+14 statewide

vs Texas State

Income tax
NoneSame (state law)
Property tax
0.97%1.6% state avg
Politics
R+57R+14
COL Index
97state index (no county figure)

Population & Migration

Net Domestic Migration 2023

↑ +620

More people arriving than leaving

IRS Wealth Migration

Wealthier people moving in (IRS: 1.27x avg income)

Economic Mobility

41%

chance a low-income child reaches the middle class

Source: Opportunity Insights

Real Estate

Find Homes in Bandera County

Median home value: $340K

View on Zillow →View on Realtor.com →

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Data: Census ACS, BLS, Zillow, USDA Natural Amenities, OpenElections 2024, CMS, NCES. Vintage 2022–2025. News via Google News.

Your Priorities

Adjust and every page updates live

Quick Profiles

Dial in your priorities

Annual Income

$150K

Affects effective income tax rate

$0$500K$5M+

Retirement Savings

$0

Affects pension and SS tax burden

None$500K$10M+

Social Security

None

Annual Social Security benefit

None$150K/yr

My Property Is Worth

$400K

Affects property tax burden

Tax burden ↓$1M$50M+

Home Buying Budget

$400K

Compared to state median home price

Hard to find$250K$5M+

Monthly Rent Budget

Don't care

Compared to state median 2BR rent

Don't care$10K/mo

Job Market

Don't care

State unemployment and job growth

Don't careHot market

Airport Access

Don't care

Direct flight destinations from state hubs

Don't careMust have hub

City vs Country

Mid-size city

% urban population

Deep countryBig city

Sunshine

Don't care

Annual sunny days per state

Don't careMax sunshine

Food Scene

Don't care

Restaurants per 100K residents

Don't careWorld-class

Political Preference

Neutral

State's political lean

LiberalConservative

Gun Laws

Neutral

State gun law grade (Giffords)

Gun Control2A Freedom

Abortion Access

Neutral

State abortion access policy

Pro-ChoiceNeutralPro-Life

Community

None

Congregations per 100K residents

AvoidDon't careSeek

Sports & Entertainment

Don't care

Pro sports teams and major venues

Don't careMust have pro teams

Cannabis Laws

Neutral

State cannabis legality

Prefer LegalNeutralPrefer Prohibition

Retiree Community

Neutral

% population 65+ (Census)

Young areaRetirement-heavy

Dating Market

Neutral

% adults never-married (Census)

Singles sceneFamily community

Safety / Low Crime

Don't care

Violent crime rate per 100K (FBI)

Don't careVery safe

School Quality

Don't care

K-12 rank (Education Week)

Don't careTop-ranked

Healthcare Access

Don't care

Healthcare system rank (Commonwealth Fund)

Don't careTop-ranked

Childcare Affordability

Don't care

Cost of living proxy for childcare affordability

Don't careMust be affordable