Marble Falls, TX · standard
ZIP Code 78654
Burnet County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 17,553
- 34/sq mi Moderate-density area
- $74,130
- Median income Near-median income area
- $358,400
- Median home value Above-median home value
- 31.1%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Marble Falls pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 47%
- household income, US ZIPs
- Top 25%
- home value, US ZIPs
- 34
- people per sq mi
- 67%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 78654 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 78654 (Marble Falls, TX) rose +5.8% from 2023 to 2024. The all-transactions index moved from 348.6 in 2023 to 368.9 in 2024 (2000 = 100).
ZIP code 78654 is a mid-sized community (a standard USPS delivery area) in Marble Falls, Burnet County, Texas, home to 17,553 residents across 519.3 square miles, a density of 34 people per square mile, in the Chicago time zone.
ZIP 78654 lands in the middle-income range, with a median household income of $74,130 (2% below the average Texas ZIP), while per-capita income is $44,210. The poverty rate is 8.6%, with unemployment at 3.1%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $358,400 (45% above the average Texas ZIP), while 66.7% of occupied homes are owner-occupied and median rent is $1,387.
A solid share of residents have a four-year degree: 31.1% of adults hold a bachelor's degree or higher, the median age is 42.7, and the average commute is 27 minutes. The page also surfaces 1 ZIP codes within roughly 10 miles and 3 more in Burnet County, so 78654 can be compared with both its immediate and county-level context.
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 78654
Top 5 sectors by establishment count in Marble Falls, TX
Which industries have the most business establishments in ZIP 78654.
- Construction
Construction
134 establishments
- Retail trade
Retail trade
124 establishments
- Health care and social assistance
Health care and social assistance
91 establishments
- Other services (except public administration)
Other services (except public administration)
86 establishments
- Accommodation and food services
Accommodation and food services
76 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 78654, Marble Falls, 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
17,553
Population
519.3
Area (sq mi)
34
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 78654?
42.7
Median Age
51.0%
Male
49.0%
Female
7.8%
Foreign-Born
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?
$74,130
Median Household Income
-2% vs state ZIP avg
$44,210
Per Capita Income
8.6%
Poverty Rate
3.1%
Unemployment Rate
27.1 min
Mean Commute Time
How ZIP 78654 ranks among Texas ZIPs
Marble Falls, TX household income vs. every Texas ZIP code
Median household income among 1,737 reporting Texas ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$74,130 Top 43% higher than 57% of 1,737 Texas ZIPs
Each bar is a $20K-wide band; taller bars hold more Texas 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
10,090housing units
10,090
Total Housing Units
8,362
Occupied Units
1,728
Vacant Units
2.45
Avg Household Size
Occupancy Type
$358,400
Median Home Value
+45% vs state ZIP avg
$1,387
Median Rent
1995
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
+5.8%
YoY Change (2024)
369
HPI Index (2000 = 100)
+269%
Total Change Since 2000
Home values in ZIP 78654 have increased 5.8% over the past year (2024). Since 2000, this ZIP has seen +269% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.5% | 230 |
| 2021 | +11.9% | 257 |
| 2022 | +28.1% | 330 |
| 2023 | +5.7% | 349 |
| 2024 | +5.8% | 369 |
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 836 business establishments in ZIP 78654, employing approximately 8,787 people with a combined annual payroll of $445,222,000.
836
Businesses
8,787
Employees
$445.2M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 134 | 16.0% |
| Retail trade | 124 | 14.8% |
| Health care and social assistance | 91 | 10.9% |
| Other services (except public administration) | 86 | 10.3% |
| Accommodation and food services | 76 | 9.1% |
| Professional, scientific, and technical services | 54 | 6.5% |
| Finance and insurance | 49 | 5.9% |
| Real estate and rental and leasing | 45 | 5.4% |
| Administrative and support and waste management and remediation services | 44 | 5.3% |
| Manufacturing | 38 | 4.5% |
| Wholesale trade | 29 | 3.5% |
| Information | 17 | 2.0% |
| Transportation and warehousing | 14 | 1.7% |
| Arts, entertainment, and recreation | 13 | 1.6% |
| Educational services | 9 | 1.1% |
| Mining, quarrying, and oil and gas extraction | 7 | 0.8% |
| Utilities | 3 | 0.4% |
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 78654 vs 78669 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 78669 | Spicewood, TX | 8,731 | 11.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 78654, both outside TX so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (17,553 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Burnet County
Related Areas
Frequently Asked Questions
What county is ZIP code 78654 in?
ZIP code 78654 (Marble Falls) is located in Burnet County, Texas. Burnet County contains multiple ZIP codes, see the full list at /counties/burnet-tx.
What is the population of ZIP code 78654?
ZIP code 78654 in Marble Falls, TX has a population of 17,553 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 78654?
The median household income in ZIP 78654 is $74,130, which is 3% below the national average of $76,288.
What is the average home value in ZIP 78654?
The median home value in ZIP 78654 is $358,400, which is 29% above the national average of $278,155.
What is the demographic makeup of ZIP 78654?
The largest racial group in ZIP 78654 is White at 78.7%. Hispanic or Latino residents make up 27.6% of the population.
How many businesses are in ZIP code 78654?
ZIP code 78654 has 836 business establishments employing approximately 8,787 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 78654?
The top industries by establishment count in ZIP 78654 are: Construction (134), Retail trade (124), Health care and social assistance (91). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 78654?
According to the FHFA House Price Index, home values in ZIP 78654 increased by 5.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 269%. 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 78654?
In ZIP code 78654, 57.3% of residents aged 25+ have a high school diploma or higher, and 31.1% 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 78654?
The mean commute time for workers in ZIP code 78654 is 27.1 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 78654?
In ZIP code 78654, approximately 66.7% of occupied housing units are owner-occupied and 33.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 78654?
The poverty rate in ZIP code 78654 is 8.6% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 78654's numbers, next.
- See how ZIP 78654 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Marble Falls, TX ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.