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Austin city, TX

ZIP 78745 — Housing & Real Estate

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

Middle ClassLarge CommunityLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78745

Median Home Value
$459,100
Median Rent
$1,495
Affordability Snapshot
$126,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,949/mo PITI).

21%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

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

25.6 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 78745 in Austin city, TX, a household would need roughly $126,000 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 $2,949. That is about 49% above the local median household income ($84,529), 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
48.7%-26% vs US avg
x
Vacancy Rate
4.4%-57% vs US avg
x
Broadband Access
90.6%+4% vs US avg
x
4+ Bedrooms
0.8%-95% vs US avg
x
Built Pre-1939
0.9%-93% vs US avg
x
Built Post-2014
1.9%-73% vs US avg
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
31.6%-17% vs US avg
x
$459,100
Home Value
$1,495
Rent
1983
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached54.6%
  • 1-unit attached6.9%
  • 2-9 units11.7%
  • 10+ units25.4%
  • Mobile home & other1.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$459,100
Median rent$1,495
Owner-occupied48.7%
Vacant4.4%
Price-to-income5.4x
Est. income to buy$126,000