ZIP 78278 — Housing & Real Estate

To comfortably buy a median-priced home in ZIP 78278, a household would need roughly $98,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,286. That is roughly in line with the local median household income ($105,091). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.