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Austin city, TX

ZIP 78728 — 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 78728

Median Home Value
$392,600
Median Rent
$1,365
Affordability Snapshot
$108,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,522/mo PITI).

22%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

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

24.0 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 78728 in Austin city, TX, a household would need roughly $108,000 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 $2,522. That is about 46% above the local median household income ($74,048), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
28.7%-56% vs US avg
x
Vacancy Rate
6.7%-35% vs US avg
x
Broadband Access
96.0%+10% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
2.2%-69% vs US avg
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
30.5%-20% vs US avg
x
$392,600
Home Value
$1,365
Rent
1996
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached36.0%
  • 1-unit attached1.2%
  • 2-9 units11.8%
  • 10+ units48.2%
  • Mobile home & other2.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$392,600
Median rent$1,365
Owner-occupied28.7%
Vacant6.7%
Price-to-income5.3x
Est. income to buy$108,000