ZIP Code · TX

ZIP 78645

Part of Lago Vista, TX

Pop. 15,256·Travis County·101st most expensive ZIP in Texas

Median rent (all units)

$1,953/mo

Year-over-Year

+0.3%

Month-over-Month

-1.6%

vs US Median

+$21

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 78645 · $1,953

More expensive than 59% 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+

$2,610

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

Compared with the peak

Rent in ZIP 78645 is 1.7% below its high of $1,986 in January 2024, at $1,953 as of September 2026.

Past year vs. the rest of Texas

Rent in ZIP 78645 changed +0.3% over the year to September 2026. Across the 629 Texas ZIP codes Zillow tracks, the typical change was +1.2%.

Recent direction

Rent rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($113,008) is $2,825 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($2,610).

Cheaper nearby

ZIP 78726, 8 miles away, rents for 29% less ($1,377/mo), about $6,900 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 78645. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$23,436/yr

At $1,953/mo median

Location

CityLago Vista

StateTX

CountyTravis County

Rent Market Meter

Renter's Market

Renter's MarketBalancedLandlord's Market

Rents are softening (up only 0.3% YoY), so renters have negotiating leverage.

Based on rent-price momentum (+0.3% YoY, -1.6% MoM), not inventory.

Demographics

Who lives here

ZIP 78645 (Lago Vista, TX) is majority owner-occupied, has a large retiree population, has a median income above the national average, 45.9% of residents hold a bachelor's degree or higher.

Population

15,256

Median income

$113,008

Median age

54.4

Renters

9.2%

Age distribution

13.5%

12.7%

24.9%

21.7%

27.2%

Under 1813.5%

18–3412.7%

35–5424.9%

55–6421.7%

65+27.2%

Gender

53.4%

46.6%

Male53.4%

Female46.6%

Race & ethnicity

80%

13.8%

White80%

Black1.2%

Hispanic13.8%

Asian1.1%

Other3.8%

Education (25+)

15.9%

33.9%

45.9%

No HS diploma4.3%

HS diploma15.9%

Some college33.9%

Bachelor's+45.9%

Housing tenure

90.8%

Owner90.8%

Renter9.2%

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

2023 vs 2026

How ZIP 78645 in Lago Vista, TX has changed in 5 years

Rent

$1,933 → $1,953

up 1.0%

Income

$90,743 → $113,008

up 24.5%

Population

14,360 → 15,256

up 6.2%

Renter share

13.6% → 9.2%

-4.4 pts

Bachelor's+

36.7% → 45.9%

+9.2 pts

Median age

52.3 → 54.4

+2.1 yrs

Since 2023, the typical rent in ZIP 78645 in Lago Vista, TX has climbed from $1,933 to $1,953, a 1.0% change over five years. Household income in the area moved from $90,743 to $113,008 across the same window, up 24.5% versus 2021. On paper, paychecks moved up faster than rent, which softens the affordability squeeze versus the 2021 baseline. The population has grown by 6.2% since 2021, moving from about 14,360 residents to roughly 15,256. Renters now make up 9.2% of households, compared with 13.6% five years ago. College-educated residents now make up 45.9% of adults here, versus 36.7% in 2021. Reading these numbers side by side helps frame whether current listings in ZIP 78645 in Lago Vista, TX look reasonable against where the market sat half a decade ago.

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About renting in ZIP 78645

Last updated: October 17, 2026

ZIP code 78645 covers Lago Vista, TX. The median rent here is $1,953/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 21% of local median household income ($113,008/yr), ZIP 78645 ranks as affordable compared to the national benchmark of 30%. Rents have increased 0.3% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 78645?

To keep rent at or below 30% of gross income, you would need to earn at least $78,000/year (about $38/hour full-time) to afford the median rent of $1,953/mo in ZIP 78645. The local median household income is $113,008/yr, so the typical household meets that bar.

Is rent going up or down in ZIP 78645?

Rent in ZIP 78645 has been roughly flat over the past year as of September 2026, a +0.3% change. It sits 1.7% below its high of $1,986 in January 2024.

How does ZIP 78645 compare to other ZIPs in Texas?

ZIP 78645 is one of the pricier among Texas ZIP codes for rent, ranking #101 of 693 at $1,953/mo. Over the year to September 2026, rent in ZIP 78645 changed +0.3%, against a typical +1.2% across the 629 Texas ZIP codes Zillow tracks.