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Horseshoe Bay city, TX

ZIP 78657 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78657

Median Home Value
$470,100
Median Rent
$1,160
Affordability Snapshot
$129,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,020/mo PITI).

15%
Rent-to-Income Ratio

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

5.0x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

33.8 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 78657 in Horseshoe Bay 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 $3,020. That is about 38% above the local median household income ($93,699), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 40% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.3%+27% vs US avg
x
Vacancy Rate
40.2%+290% vs US avg
x
Broadband Access
95.4%+10% vs US avg
x
4+ Bedrooms
3.5%-76% vs US avg
x
Built Pre-1939
0.0%
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
8.3%-83% vs US avg
x
Mortgage-Free
51.8%+35% vs US avg
x
$470,100
Home Value
$1,160
Rent
1993
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached69.6%
  • 1-unit attached11.9%
  • 2-9 units11.2%
  • 10+ units2.9%
  • Mobile home & other4.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$470,100
Median rent$1,160
Owner-occupied83.3%
Vacant40.2%
Price-to-income5.0x
Est. income to buy$129,000