Cost of Living & Housing in Fair Oaks Ranch
Fair Oaks Ranch is genuinely expensive -- a $774,536 median sale price and household income figures well above every other market in this build wave -- but its property tax structure carries the same low-rate-but-high-dollar-bill tension documented for Bee Cave, plus a genuine cross-county wrinkle to plan around.
Exploring the idea of moving?
We can connect you with a local real estate professional who knows the area -- no pressure, just a starting point.
Learn moreA rapidly appreciating, genuinely high-end market
The median sale price for all home types was $774,536 as of May 2026, up a strong 11.4% year over year (Redfin, base record). Other sources cited figures in the $712K-$717K range for slightly different months -- a real, disclosed spread, but all sources agree this is a genuinely expensive market well above every San Antonio-satellite suburb in this dataset.
Income runs high enough to genuinely support the price level
Median household income is $174,327 with a per-capita income of $116,953 -- both comfortably above the home-price premium relative to other markets in this dataset, and 51% of Fair Oaks Ranch households report income above $150,000 (base record).
Low tax RATE, highest dollar BILL in the county -- both are real
Fair Oaks Ranch's median effective property tax rate (in the Kendall County portion of the city) is cited at just 0.81%, below both the Texas and national medians. But because home values here are so high, Fair Oaks Ranch is cited as carrying the HIGHEST median dollar tax bill of any city in Kendall County, at $7,966 (Ownwell, base record) -- the same tension documented for Bee Cave elsewhere in this build wave.
A genuine cross-county wrinkle affects your specific tax bill
Fair Oaks Ranch spans Bexar, Comal, and Kendall counties. The city's own property tax is billed uniformly through the Bexar County Tax Office regardless of which county a resident lives in -- but county and school-district taxes come from a different appraisal district depending on the specific address (Kendall Appraisal District for Kendall County residents, Comal Appraisal District for Comal County residents). Confirm which county a specific address falls in before assuming a single, uniform combined tax bill.
Insurance costs: sources disagree, budget toward the higher figure
One source cites $2,866/year for 2026 homeowners insurance, below the cited Texas state average of $3,150/year; a second source cited a much lower $1,269/year that likely reflects a lower, uncalibrated coverage assumption (base record's metricSources). Budget toward the higher, more plausible figure and get an address-specific quote before finalizing a purchase decision.
Key takeaways
- Median sale price is $774,536 (May 2026), up 11.4% year over year -- genuinely expensive and appreciating quickly.
- Median household income ($174,327) and per-capita income ($116,953) run well above every other market in this build wave, genuinely supporting the price level.
- The effective property tax RATE (0.81% in the Kendall County portion) is genuinely low, but the median dollar tax BILL ($7,966) is the highest of any city in Kendall County -- both are true because home values are so high.
- Fair Oaks Ranch spans Bexar, Comal, and Kendall counties -- confirm which county a specific address falls in, since county and school-district taxes come from different appraisal districts depending on location, even though the city's own tax is billed uniformly through Bexar County.
- Homeowners insurance estimates disagreed sharply across sources ($1,269 vs. $2,866/year) -- budget toward the higher figure and get an address-specific quote.
Want to know what your budget actually buys here?
Tell us a bit about what you're looking for and we'll connect you with someone local who can walk you through real numbers.
Get local guidanceRead the full Fair Oaks Ranch overview for the complete picture -- housing, taxes, climate, and who this place genuinely fits.
Planning a move?
Tell us what you're looking for and we'll connect you with a local expert who can help you make it happen.
Talk to a local expert