ZIP Code · TX

ZIP 78644

Part of Lockhart, TX

Pop. 22,348·Caldwell County·247th most expensive ZIP in Texas

Median rent (all units)

$1,712/mo

Year-over-Year

Stable

Month-over-Month

+0.5%

vs US Median

-$220

Reported rents

Rising (Monthly)

Be the first to discuss 78644 rents ↓

Most AffordableMost Expensive

ZIP 78644 · $1,712

More affordable than 57% of US ZIP codes · National median $1,932/mo

Rent check

Is your rent fair?

Compare your rent to the local median.

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

Loading…

Last updated: October 17, 2026

From the history

What the numbers show

What a typical income covers

30% of the median household income ($74,709) is $1,868 a month. That covers HUD's Fair Market Rent for up to a 2-bedroom ($1,760); a 3-bedroom is $2,240.

From Zillow's monthly rent index (ZORI) for ZIP 78644. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$20,544/yr

At $1,712/mo median

Location

CityLockhart

StateTX

CountyCaldwell County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+0.0% YoY, +0.5% MoM), not inventory.

Demographics

Who lives here

ZIP 78644 (Lockhart, TX) is majority owner-occupied, 23.6% of residents hold a bachelor's degree or higher.

Population

22,348

Median income

$74,709

Median age

39.2

Renters

25.1%

Age distribution

21.1%

24.5%

24.7%

12.8%

16.8%

Under 1821.1%

18–3424.5%

35–5424.7%

55–6412.8%

65+16.8%

Gender

49.4%

50.6%

Male49.4%

Female50.6%

Race & ethnicity

55.4%

52.1%

White55.4%

Black4.7%

Hispanic52.1%

Asian0.8%

Education (25+)

14.4%

38.9%

23.2%

23.6%

No HS diploma14.4%

HS diploma38.9%

Some college23.2%

Bachelor's+23.6%

Housing tenure

74.9%

25.1%

Owner74.9%

Renter25.1%

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

2021 vs 2026

How ZIP 78644 in Lockhart, TX has changed in 5 years

Income

$67,134 → $74,709

up 11.3%

Population

20,119 → 22,348

up 11.1%

Renter share

29% → 25.1%

-3.9 pts

Bachelor's+

18.8% → 23.6%

+4.8 pts

Household income in the area moved from $67,134 to $74,709 across the same window, up 11.3% versus 2021. Census counts show ZIP 78644 in Lockhart, TX adding about 2,229 residents over the five-year window, up 11.1% on net. The renter share has eased from 29% to 25.1%, with owner-occupied housing accounting for the remainder. Bachelor's-degree-or-higher attainment moved from 18.8% to 23.6% across the same window.

Community

Discussions about ZIP 78644

No discussions yet. Start the conversation.

Local insights

Tips for renters in ZIP 78644

About renting in ZIP 78644

Last updated: October 17, 2026

ZIP code 78644 covers Lockhart, TX. The median rent here is $1,712/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 27% of local median household income ($74,709/yr), ZIP 78644 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 78644?

To keep rent at or below 30% of gross income, you would need to earn at least $68,000/year (about $33/hour full-time) to afford the median rent of $1,712/mo in ZIP 78644. The local median household income is $74,709/yr, so the typical household meets that bar.