Wife (no pics) is from Kerrville and we're there visiting her parents once or twice a month for the last 18 years. As you can guess, it's mostly white with Hispanic not far behind. Some asian and very few blacks.
If golf is your thing it's heaven. Nice little downtown with quite a few neat micro breweries. The parks next to the Guadalupe make it easy to entertain yourself outdoors and the hills/scenery can't be beat and recreation and trails are plentiful. There are a fuck ton of retirees and olds in general that can't drive for shit but still try. Proximity to San Antonio makes it easy to have access to things you may not find in town but unless you feel the need to go to La Cantera or a Spurs game there's pretty everthing you'd need otherwise.
The people that work in hospitality tend to be friendly. The tex mex and bbq scene is poor. If you agree with, don't mind or don't care about the politics of the vast majority of the town, it is very nice slow paced place with great views that caters well to people in the later stages of life.