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ZIP Code · TX

ZIP 78645

Pop. 15,256·Travis County·51st most expensive ZIP in Texas
Median rent (all units)
$2,158/mo
Year-over-Year
+7.6%
Month-over-Month
-7.4%
vs US Median
+$193
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 78645 · $2,158
More expensive than 68% of US ZIP codes · National median $1,965/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: July 20, 2026

Annual cost
$25,896/yr
At $2,158/mo median
Location
StateTX
CountyTravis County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 7.6% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (+7.6% YoY, -7.4% 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

2021 vs 2026

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

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

Household income in the area moved from $90,743 to $113,008 across the same window, up 24.5% versus 2021. 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.

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Local insights

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About renting in ZIP 78645

Last updated: July 20, 2026

ZIP code 78645 covers Lago Vista, TX. The median rent here is $2,158/mo as of July 2026. A 1-bedroom rents for a median of $1,490/mo. A 2-bedroom rents for a median of $1,760/mo.

At 23% of local median household income ($113,008/yr), ZIP 78645 ranks as affordable compared to the national benchmark of 30%. Rents have increased 7.6% over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 78645?

As of July 20, 2026, the median monthly rent in ZIP 78645 (Lago Vista, TX) is $2,158. This is based on aggregated data from public sources and community submissions.

How does ZIP 78645 rent compare to the US average?

ZIP 78645's median rent of $2,158/mo is $193 (10%) above the US national median of $1,965/mo.

How does ZIP 78645 compare to other ZIPs in Texas?

ZIP 78645 is one of the pricier ZIP codes in Texas, ranking #51 out of 689 ZIPs tracked at $2,158/mo.

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 $86,000/year (~$41/hour full-time) to afford the median rent of $2,158/mo in ZIP 78645. The local median household income is $113,008/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 78645?

Rent in ZIP 78645 has increased 7.6% over the past year as of July 20, 2026, putting upward pressure on renter budgets.

Is ZIP 78645 an affordable place to rent?

ZIP 78645 is considered very affordable for renters. At $2,158/mo, rent takes approximately 23% of the local median household income ($113,008/yr). The standard benchmark is 30%. ZIP 78645 falls comfortably within that range.

What percentage of ZIP 78645 residents rent vs. own?

According to Census data, approximately 9.2% of ZIP 78645 households are renters, while 90.8% are owner-occupied. ZIP 78645 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 78645 compare to the rest of Lago Vista?

ZIP 78645 is pricier than Lago Vista as a whole. At $2,158/mo, it's $92 above the Lago Vista citywide median of $2,066/mo.

When was rent data for ZIP 78645 last updated?

Rent data for ZIP 78645 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
23%
VERY AFFORDABLE

At $2,158/mo, rent takes ~23% of ZIP 78645's median household income ($113,008/yr). The standard benchmark is 30%.

ZIP 78645 23%Benchmark 30%
State income taxNone
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