| ZIP Code | 78657 |
|---|---|
| City | Horseshoe Bay |
| State | Texas (TX) |
| County | Llano County |
| Area Code | 830 |
| Elevation | 892 ft |
| Latitude | 30.533379 |
|---|---|
| Longitude | -98.378353 |
| Timezone | Chicago (DST) |
| FIPS | 48299 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 59.8 yrs |
|---|---|
| Avg Household Size | 2.24 |
| Below Poverty | 5.0% ▼ 50% below avg |
| College Grads | 56.4% ▲ 46% above avg |
| Unemployment | 2.4% ▼ 52% below avg |
| No HS Diploma | 18 (0.3%) |
| HS Graduate | 978 (18.1%) |
| Some College | 466 (8.6%) |
| Associates | 891 (16.5%) |
| Bachelors | 457 (8.5%) |
| Graduate Degree | 2,592 (48%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $93,699 ▲ 23% above avg ↑ 31% since 2019 |
|---|---|
| Median Home Value | $470,100 ▲ 69% above avg ↑ 49% since 2019 |
| Home/Income Ratio | 5.0x (nat avg ~3.5x) |
| Median Rent | $1,406/mo ↑ 25% since 2019 |
| Total Units | 5,272 |
| Vacant Units | 2,120 |
| Avg HH Size | 2.24 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 5,272 |
|---|---|
| Vacant | 2,120 |
| Owner Occupied | 83.3% |
| Renter Occupied | 16.8% |
| Avg HH Size | 2.24 |
ZIP code 78657 is located in Horseshoe Bay, Texas, within Llano County. With a population of 7,061, this is a lightly populated ZIP code with an older community — the median age is 59.8 years. Economically, 78657 is a middle-income ZIP code: the median household income of $93,699 is above the national average.
Real estate in ZIP code 78657 represents a premium housing market. The median home value of $470,100 is significantly above the national average. Renters can expect to pay around $1,406 per month in median rent. Homeownership is strong here — 83.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 49% since 2019.
The population of 78657 is primarily White (79.92%). Residents are well-educated — 56.4% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 5.0%. Household income has grown by 31% since 2019.
The unemployment rate in 78657 stands at 2.4%, which is well below the national average. About 17% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 71%.
Overall, ZIP code 78657 in Horseshoe Bay, TX is characterized as middle-income, well-educated, an older community, and predominantly owner-occupied. With 7,061 residents, a median household income of $93,699, and a median home value of $470,100, it offers a clear picture of life in this part of Texas.