ZIP Code · TX

ZIP 78657

Part of Horseshoe Bay, TX

Pop. 7,591·Llano County·473rd most expensive ZIP in Texas

Median rent (all units)

$1,418/mo

Year-over-Year

Stable

Month-over-Month

+1.2%

vs US Median

-$514

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 78657 · $1,418

More affordable than 79% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$1,110

1 BR

$1,130

2 BR

$1,450

3 BR

$1,980

4 BR+

$2,100

Research median

$1,450/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

What a typical income covers

30% of the median household income ($91,452) is $2,286 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($2,100).

From Zillow's monthly rent index (ZORI) for ZIP 78657. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$17,016/yr

At $1,418/mo median

Location

CityHorseshoe Bay

StateTX

CountyLlano County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (0.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+0.0% YoY, +1.2% MoM), not inventory.

Demographics

Who lives here

ZIP 78657 (Horseshoe Bay, TX) is majority owner-occupied, has a large retiree population, has a median income above the national average, 42.9% of residents hold a bachelor's degree or higher.

Population

7,591

Median income

$91,452

Median age

59.3

Renters

18.7%

Age distribution

13.5%

14%

16.3%

18.4%

37.7%

Under 1813.5%

18–3414%

35–5416.3%

55–6418.4%

65+37.7%

Gender

48%

52%

Male48%

Female52%

Race & ethnicity

87.5%

15.7%

White87.5%

Hispanic15.7%

Asian0.6%

Education (25+)

22.6%

29.9%

42.9%

No HS diploma4.5%

HS diploma22.6%

Some college29.9%

Bachelor's+42.9%

Housing tenure

81.3%

18.7%

Owner81.3%

Renter18.7%

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

2021 vs 2026

How ZIP 78657 in Horseshoe Bay, TX has changed in 5 years

Income

$79,672 → $91,452

up 14.8%

Population

6,810 → 7,591

up 11.5%

Renter share

13.3% → 18.7%

+5.4 pts

Bachelor's+

42.3% → 42.9%

+0.6 pts

Median age

58.8 → 59.3

+0.5 yrs

Census figures show median household income at $91,452 today, compared with $79,672 five years earlier. Headcount in the area went from 6,810 to 7,591 between 2021 and 2024, a 11.5% change. About 18.7% of households rent today, against 13.3% in 2021.

Community

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Local insights

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About renting in ZIP 78657

Last updated: October 17, 2026

ZIP code 78657 covers Horseshoe Bay, TX. The median rent here is $1,418/mo as of October 2026. A 1-bedroom rents for a median of $1,130/mo. A 2-bedroom rents for a median of $1,450/mo.

At 19% of local median household income ($91,452/yr), ZIP 78657 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 78657?

To keep rent at or below 30% of gross income, you would need to earn at least $57,000/year (about $27/hour full-time) to afford the median rent of $1,418/mo in ZIP 78657. The local median household income is $91,452/yr, so the typical household meets that bar.