Katharine Kerr was born in Cleveland, Ohio. Her early life laid the foundation for her vivid imagination and storytelling abilities, likely influenced by the cultural landscape and experiences of growing up in mid-20th century America.

During her formative years, Kerr pursued her education, developing a strong interest in literature, history, and Celtic mythology. These interests became vital ingredients in her later fantasy works. Specifics on degrees earned or institutions attended remain less widely documented, but the impact of her academic and personal explorations during this period is undeniable.