Market Overview
Home Prices in Kempner, TX
The median home value in Kempner, TX is $371,490 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 0.8% compared to a year ago and down 0.1% from two years prior.
Compared to the U.S. national median of $410,000, homes in Kempner are priced9% below average. Kempner is part of the Killeen-Temple, TX metro area.
Over the past five years, Kempner home values have risen by approximately23.8%, reflecting strong long-term appreciation in this market.
Price History
Kempner Home Price Trend
City Comparison
Kempner vs. National Median
At $371,490, homes in Kempner cost 9% below the national median of $410,000. This makes Kempner a relatively affordable market for buyers seeking value.
Affordability
What Does It Cost to Buy in Kempner?
20% Down Payment
$74,298
on $371,490
Monthly P&I
$1,937/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,460/mo
incl. taxes & insurance
Income Needed
$98,400
gross annual (30% rule)
10% Down Option
$37,149
+ PMI applies
Loan Amount (20% dn)
$297,192
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Kempner, TX?
The median home value in Kempner is $371,490 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 0.8% year-over-year.
How much have home prices changed in Kempner?
Over the past year, home values in Kempner have increased by 0.8%. Over five years, prices have risen approximately 23.8%.
How much do I need to earn to buy a home in Kempner?
To comfortably afford the median home price of $371,490 with a 20% down payment ($74,298) at today's rates (6.8%), you'd need a gross annual income of approximately $98,400. This assumes keeping total housing costs at or below 30% of gross income.
How does Kempner compare to the national average home price?
The national median home value is approximately $410,000. At $371,490, homes in Kempner are 9% below the national average.
What metro area is Kempner part of?
Kempner is part of the Killeen-Temple, TX metropolitan area. Home prices and market conditions can vary across the broader metro region.