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Georgetown city, TX

ZIP 78628 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78628

Median Home Value
$467,700
Median Rent
$1,386
Affordability Snapshot
$129,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,004/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.1 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 78628 in Georgetown city, TX, a household would need roughly $129,000 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 $3,004. That is roughly in line with the local median household income ($117,198). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
75.2%+15% vs US avg
x
Vacancy Rate
3.9%-63% vs US avg
x
Broadband Access
95.9%+10% vs US avg
x
4+ Bedrooms
5.4%-63% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
7.4%+7% vs US avg
x
Rent Burden >30%
27.5%-45% vs US avg
x
Mortgage-Free
32.3%-15% vs US avg
x
$467,700
Home Value
$1,386
Rent
2007
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached77.9%
  • 1-unit attached2.0%
  • 2-9 units7.8%
  • 10+ units12.0%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$467,700
Median rent$1,386
Owner-occupied75.2%
Vacant3.9%
Price-to-income4.0x
Est. income to buy$129,000