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ZIP Code · TX

ZIP 78657

Pop. 7,591·Llano County·276th most expensive ZIP in Texas
Median rent (all units)
$1,676/mo
Year-over-Year
Stable
Month-over-Month
-16.2%
vs US Median
-$289
Falling (Monthly)
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Most AffordableMost Expensive
ZIP 78657 · $1,676
More affordable than 60% of US ZIP codes · National median $1,965/mo
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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: July 20, 2026

Annual cost
$20,112/yr
At $1,676/mo median
Location
StateTX
CountyLlano County
Rent Market Meter
Strong Renter's Market
Renter's MarketBalancedLandlord's Market
Rents are down 0.0% year-over-year. Push hard on price, concessions, and lease terms.
Based on rent-price momentum (+0.0% YoY, -16.2% 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: July 20, 2026

ZIP code 78657 covers Horseshoe Bay, TX. The median rent here is $1,676/mo as of July 2026. A 1-bedroom rents for a median of $1,130/mo. A 2-bedroom rents for a median of $1,450/mo.

At 22% 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 is rent in ZIP code 78657?

As of July 20, 2026, the median monthly rent in ZIP 78657 (Horseshoe Bay, TX) is $1,676. This is based on aggregated data from public sources and community submissions.

How does ZIP 78657 rent compare to the US average?

ZIP 78657's median rent of $1,676/mo is $289 (15%) below the US national median of $1,965/mo.

How does ZIP 78657 compare to other ZIPs in Texas?

ZIP 78657 falls in the middle range for Texas, ranking #276 out of 689 ZIPs at $1,676/mo.

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 $67,000/year (~$32/hour full-time) to afford the median rent of $1,676/mo in ZIP 78657. The local median household income is $91,452/yr, meaning the typical household meets that threshold.

Is rent going up or down in ZIP 78657?

Rent in ZIP 78657 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 78657 an affordable place to rent?

ZIP 78657 is considered very affordable for renters. At $1,676/mo, rent takes approximately 22% of the local median household income ($91,452/yr). The standard benchmark is 30%. ZIP 78657 falls comfortably within that range.

What percentage of ZIP 78657 residents rent vs. own?

According to Census data, approximately 18.7% of ZIP 78657 households are renters, while 81.3% are owner-occupied. ZIP 78657 leans toward homeownership, which can mean a smaller rental inventory.

When was rent data for ZIP 78657 last updated?

Rent data for ZIP 78657 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
22%
VERY AFFORDABLE

At $1,676/mo, rent takes ~22% of ZIP 78657's median household income ($91,452/yr). The standard benchmark is 30%.

ZIP 78657 22%Benchmark 30%
State income taxNone
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Schools nearby

Public schools near ZIP 78657 (Horseshoe Bay, TX)

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