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Round Rock city, TX

ZIP 78681 — Housing & Real Estate

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

Upper Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78681

Median Home Value
$460,000
Median Rent
$1,604
Affordability Snapshot
$127,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,955/mo PITI).

14%
Rent-to-Income Ratio

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

3.4x
Home Price-to-Income Ratio

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

23.9 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 78681 in Round Rock city, TX, a household would need roughly $127,000 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 $2,955. That is roughly in line with the local median household income ($136,215). 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
75.1%+15% vs US avg
x
Vacancy Rate
2.9%-72% vs US avg
x
Broadband Access
96.1%+10% vs US avg
x
4+ Bedrooms
8.5%-42% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
16.4%-67% vs US avg
x
Mortgage-Free
30.9%-19% vs US avg
x
$460,000
Home Value
$1,604
Rent
1998
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 detached82.7%
  • 1-unit attached1.4%
  • 2-9 units4.6%
  • 10+ units10.5%
  • Mobile home & other0.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$460,000
Median rent$1,604
Owner-occupied75.1%
Vacant2.9%
Price-to-income3.4x
Est. income to buy$127,000