ZIP Code 78657
standardSource:
Horseshoe Bay · Llano County · Texas
- Population
- 5,509
- Median income
- $91,452
- Median home value
- $483,200
- Bachelor's or higher
- 42.9%
- Land area
- 102.2 sq mi
54/sq mi
▲ 20% vs US
higher than 75% of US ZIPs
▲ 74% vs US
higher than 86% of US ZIPs
Median age 59.3
Chicago
ZIP code 78657 in Horseshoe Bay, Texas has a population of 5,509. The median household income is $91,452, which is 20% above the national average. Median home value is $483,200, 74% above the US average. 42.9% of residents hold a bachelor's degree or higher.
ZIP code 78657 is classified by USPS as a standard delivery area and covers roughly 102.2 square miles in Horseshoe Bay, Llano County, Texas. The area is home to 5,509 residents, producing a population density of 54 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 78657 against Texas and the nation.
On the economic side, the median household income for ZIP 78657 sits at $91,452 (21% above the Texas average), while per-capita income is $68,540. The poverty rate stands at 4.9% and the unemployment rate at 2.3%. On housing, the median home value is $483,200 (95% above the state average) with median rent at $1,492 per month, and 81.3% of occupied units are owner-occupied, a direct signal of whether 78657 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 42.9% of adults hold a bachelor's degree or higher, the median age is 59.3, and the average commute is 25 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Llano County, so you can benchmark 78657 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 78657
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 78657.
- Construction
Construction
41 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
27 establishments
- Real estate and rental and leasing
Real estate and rental and leasing
22 establishments
- Finance and insurance
Finance and insurance
20 establishments
- Retail trade 16
Retail trade
16 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 78657, Horseshoe Bay, TX · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
5,509
Population
102.2
Area (sq mi)
54
People / sq mi
Chicago
Time Zone
standard
ZIP Type
Who lives in ZIP 78657?
59.3
Median Age
48.0%
Male
52.0%
Female
8.3%
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?
$91,452
Median Household Income
+21% vs state
$68,540
Per Capita Income
4.9%
Poverty Rate
2.3%
Unemployment Rate
25.2 min
Mean Commute Time
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?
5,385
Total Housing Units
3,526
Occupied Units
1,859
Vacant Units
2.15
Avg Household Size
Occupancy Type
$483,200
Median Home Value
+95% vs state
$1,492
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
-7.6%
YoY Change (2024)
376
HPI Index (2000 = 100)
+276%
Total Change Since 2000
Home values in ZIP 78657 have decreased 7.6% over the past year (2024). Since 2000, this ZIP has seen +276% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.0% | 218 |
| 2021 | +19.8% | 261 |
| 2022 | +56.1% | 408 |
| 2023 | -0.1% | 407 |
| 2024 | -7.6% | 376 |
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 188 business establishments in ZIP 78657, employing approximately 1,825 people with a combined annual payroll of $77,816,000.
188
Businesses
1,825
Employees
$77.8M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 41 | 21.8% |
| Professional, scientific, and technical services | 27 | 14.4% |
| Real estate and rental and leasing | 22 | 11.7% |
| Finance and insurance | 20 | 10.6% |
| Retail trade | 16 | 8.5% |
| Other services (except public administration) | 12 | 6.4% |
| Health care and social assistance | 11 | 5.8% |
| Accommodation and food services | 9 | 4.8% |
| Arts, entertainment, and recreation | 7 | 3.7% |
| Mining, quarrying, and oil and gas extraction | 5 | 2.7% |
| Wholesale trade | 5 | 2.7% |
| Administrative and support and waste management and remediation services | 5 | 2.7% |
| Transportation and warehousing | 3 | 1.6% |
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 78657 vs 78663 →
More ZIP Codes in Llano County
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Frequently Asked Questions
What county is ZIP code 78657 in? ▼
What is the population of ZIP code 78657? ▼
What is the median household income in ZIP 78657? ▼
What is the average home value in ZIP 78657? ▼
What is the demographic makeup of ZIP 78657? ▼
How many businesses are in ZIP code 78657? ▼
What are the main industries in ZIP code 78657? ▼
How have home values changed in ZIP code 78657? ▼
What is the education level in ZIP code 78657? ▼
What is the average commute time in ZIP 78657? ▼
What percentage of residents own vs. rent in ZIP 78657? ▼
What is the poverty rate in ZIP code 78657? ▼
ZIP Code Research Guides
Official Data Resources for Horseshoe Bay, TX
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.