ZIP Code · TX

ZIP 78621

Part of Elgin, TX

Pop. 30,411·Bastrop County·190th most expensive ZIP in Texas

Median rent (all units)

$1,791/mo

Year-over-Year

+2.8%

Month-over-Month

+0.6%

vs US Median

-$141

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 78621 · $1,791

More affordable than 51% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$1,400

1 BR

$1,490

2 BR

$1,760

3 BR

$2,240

4 BR+

$2,600

Research median

$1,760/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of Texas

Rent in ZIP 78621 changed +2.8% over the year to September 2026. Across the 629 Texas ZIP codes Zillow tracks, the typical change was +1.2%.

Recent direction

Rent has risen 5 months in a row, and rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($98,534) is $2,463 a month. That covers HUD's Fair Market Rent for up to a 3-bedroom ($2,240); a 4-bedroom is $2,600.

From Zillow's monthly rent index (ZORI) for ZIP 78621. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$21,492/yr

At $1,791/mo median

Location

CityElgin

StateTX

CountyBastrop County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (2.8% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+2.8% YoY, +0.6% MoM), not inventory.

Demographics

Who lives here

ZIP 78621 (Elgin, TX) is majority owner-occupied, has a large share of families with children, has a median income above the national average, 24.3% of residents hold a bachelor's degree or higher.

Population

30,411

Median income

$98,534

Median age

36.2

Renters

18.9%

Age distribution

28.7%

19.2%

25.6%

14%

12.5%

Under 1828.7%

18–3419.2%

35–5425.6%

55–6414%

65+12.5%

Gender

49.4%

50.6%

Male49.4%

Female50.6%

Race & ethnicity

40.1%

54.6%

White40.1%

Black7.6%

Hispanic54.6%

Asian0.6%

Education (25+)

20.4%

28.5%

26.8%

24.3%

No HS diploma20.4%

HS diploma28.5%

Some college26.8%

Bachelor's+24.3%

Housing tenure

81.1%

18.9%

Owner81.1%

Renter18.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 78621 in Elgin, TX has changed in 5 years

Income

$85,262 → $98,534

up 15.6%

Population

24,919 → 30,411

up 22.0%

Renter share

18.2% → 18.9%

+0.7 pts

Bachelor's+

21.6% → 24.3%

+2.7 pts

Household income in the area moved from $85,262 to $98,534 across the same window, up 15.6% versus 2021. Census counts show ZIP 78621 in Elgin, TX adding about 5,492 residents over the five-year window, up 22.0% on net. Bachelor's-degree-or-higher attainment moved from 21.6% to 24.3% across the same window.

Community

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Local insights

Tips for renters in ZIP 78621

About renting in ZIP 78621

Last updated: October 17, 2026

ZIP code 78621 covers Elgin, TX. The median rent here is $1,791/mo as of October 2026. A 1-bedroom rents for a median of $1,490/mo. A 2-bedroom rents for a median of $1,760/mo.

At 22% of local median household income ($98,534/yr), ZIP 78621 ranks as affordable compared to the national benchmark of 30%. Rents have increased 2.8% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 78621?

To keep rent at or below 30% of gross income, you would need to earn at least $72,000/year (about $35/hour full-time) to afford the median rent of $1,791/mo in ZIP 78621. The local median household income is $98,534/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 78621?

Rent in ZIP 78621 has risen 2.8% over the past year.

How does ZIP 78621 compare to other ZIPs in Texas?

ZIP 78621 is one of the pricier among Texas ZIP codes for rent, ranking #190 of 693 at $1,791/mo. Over the year to September 2026, rent in ZIP 78621 changed +2.8%, against a typical +1.2% across the 629 Texas ZIP codes Zillow tracks.