PlainZIP

Elgin, TX · standard

ZIP Code 78621

Bastrop County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

21,659
45/sq mi
$98,534
Median income
$320,800
Median home value
24.3%
Bachelor's or higher

The verdict

Elgin pairs an upper-quartile household income with above-median home values, in a rural, homeowner-dominated area.

Top 20%
household income, US ZIPs
Top 30%
home value, US ZIPs
45
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 78621 against every reporting US ZIP.

ZIP code 78621 is a densely settled ZIP (a standard USPS delivery area) in Elgin, Bastrop County, Texas, with 21,659 residents across 483.5 square miles, a density of 45 people per square mile, in the Chicago time zone.

ZIP 78621 lands in the middle-income range, with a median household income of $98,534 (30% above the Texas average), while per-capita income is $38,211. The poverty rate stands at 6.4% and the unemployment rate at 3.9%. Housing costs here run $320,800 for a typical home value (30% above the state average), with rent averaging $1,387 a month; 81.1% of homes are owner-occupied.

Educational attainment sits below the national norm: 24.3% of adults hold a bachelor's degree or higher, the median age is 36.2, and the average commute is 38 minutes. To put 78621 in local context, 2 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Bastrop County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 78621

Top 5 sectors by establishment count in Elgin, TX

Which industries have the most business establishments in ZIP 78621.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 78621, Elgin, TX · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

21,659

Population

483.5

Area (sq mi)

45

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 78621?

36.2

Median Age

49.4%

Male

50.6%

Female

20.3%

Foreign-Born

White 40.1%
African American 7.6%
Asian 0.6%
American Indian or Alaska Native 1.4%
Native Hawaiian or Pacific Islander 0.2%
Two or More Ethnicities 27.6%
Hispanic or Latino 54.6%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$98,534

Median Household Income

+30% vs state

$38,211

Per Capita Income

6.4%

Poverty Rate

3.9%

Unemployment Rate

37.5 min

Mean Commute Time

How ZIP 78621 ranks nationally

Elgin, TX household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$98,534 Top 20% higher than 80% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 52.8%
Bachelor's Degree or Higher 24.3%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

11,036

Total Housing Units

10,175

Occupied Units

861

Vacant Units

2.97

Avg Household Size

Occupancy Type

Owner 81.1%
Renter 18.9%

$320,800

Median Home Value

+30% vs state

$1,387

Median Rent

2000

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+3.2%

YoY Change (2024)

305

HPI Index (2000 = 100)

+205%

Total Change Since 2000

Home values in ZIP 78621 have increased 3.2% over the past year (2024). Since 2000, this ZIP has seen +205% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.8% 223
2021 +15.6% 258
2022 +26.4% 326
2023 -9.2% 296
2024 +3.2% 305

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 401 business establishments in ZIP 78621, employing approximately 4,513 people with a combined annual payroll of $244,210,000.

401

Businesses

4,513

Employees

$244.2M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 94 23.4%
Retail trade 46 11.5%
Accommodation and food services 42 10.5%
Other services (except public administration) 41 10.2%
Professional, scientific, and technical services 33 8.2%
Health care and social assistance 29 7.2%
Manufacturing 27 6.7%
Transportation and warehousing 21 5.2%
Finance and insurance 16 4.0%
Administrative and support and waste management and remediation services 12 3.0%
Wholesale trade 10 2.5%
Real estate and rental and leasing 9 2.2%
Arts, entertainment, and recreation 6 1.5%
Educational services 5 1.3%
Information 4 1.0%
Mining, quarrying, and oil and gas extraction 3 0.8%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 78621 vs 78615 →

ZIP 78621 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 78621 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 78621 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 78621 ranks the highest of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
78615 Coupland, TX 1,290 9.1 mi
78650 Mc Dade, TX 1,599 8.9 mi

More ZIP Codes in Bastrop County

78602 standard
Bastrop, TX
Pop: 25,160
78612 standard
Cedar Creek, TX
Pop: 11,457
78957 standard
Smithville, TX
Pop: 9,067
78659 standard
Paige, TX
Pop: 2,903
78662 standard
Red Rock, TX
Pop: 2,268
78650 standard
Mc Dade, TX
Pop: 1,599

Related Areas

Bastrop County Elgin, TX Texas

Frequently Asked Questions

What county is ZIP code 78621 in? ▼
ZIP code 78621 (Elgin) is located in Bastrop County, Texas. Bastrop County contains multiple ZIP codes, see the full list at /counties/bastrop-tx.
What is the population of ZIP code 78621? ▼
ZIP code 78621 in Elgin, TX has a population of 21,659 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 78621? ▼
The median household income in ZIP 78621 is $98,534, which is 29% above the national average of $76,288.
What is the average home value in ZIP 78621? ▼
The median home value in ZIP 78621 is $320,800, which is 15% above the national average of $278,155.
What is the demographic makeup of ZIP 78621? ▼
The largest racial group in ZIP 78621 is White at 40.1%. Hispanic or Latino residents make up 54.6% of the population.
How many businesses are in ZIP code 78621? ▼
ZIP code 78621 has 401 business establishments employing approximately 4,513 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 78621? ▼
The top industries by establishment count in ZIP 78621 are: Construction (94), Retail trade (46), Accommodation and food services (42). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 78621? ▼
According to the FHFA House Price Index, home values in ZIP 78621 increased by 3.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 205%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 78621? ▼
In ZIP code 78621, 52.8% of residents aged 25+ have a high school diploma or higher, and 24.3% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 78621? ▼
The mean commute time for workers in ZIP code 78621 is 37.5 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 78621? ▼
In ZIP code 78621, approximately 81.1% of occupied housing units are owner-occupied and 18.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 78621? ▼
The poverty rate in ZIP code 78621 is 6.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.