PlainZIP

Horseshoe Bay, TX · standard

ZIP Code 78657

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

5,509
54/sq mi
$91,452
Median income
$483,200
Median home value
42.9%
Bachelor's or higher

The verdict

Horseshoe Bay pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 25%
household income, US ZIPs
Top 14%
home value, US ZIPs
54
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 78657 against every reporting US ZIP.

ZIP code 78657 is a mid-sized community (a standard USPS delivery area) in Horseshoe Bay, Llano County, Texas, home to 5,509 residents across 102.2 square miles, a density of 54 people per square mile, in the Chicago time zone.

ZIP 78657 lands in the middle-income range, with a median household income of $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%. Housing costs here run $483,200 for a typical home value (95% above the state average), with rent averaging $1,492 a month; 81.3% of homes are owner-occupied.

A solid share of residents have a four-year degree: 42.9% of adults hold a bachelor's degree or higher, the median age is 59.3, and the average commute is 25 minutes. Beyond these figures, 2 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Llano County, letting you compare 78657 to its immediate surroundings rather than a national baseline alone.

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 78657

Top 5 sectors by establishment count in Horseshoe Bay, TX

Which industries have the most business establishments in ZIP 78657.

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 78657, Horseshoe Bay, 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

5,509

Population

102.2

Area (sq mi)

54

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 78657?

59.3

Median Age

48.0%

Male

52.0%

Female

8.3%

Foreign-Born

White 87.5%
African American 0.1%
Asian 0.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.3%
Hispanic or Latino 15.7%

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

How ZIP 78657 ranks nationally

Horseshoe Bay, TX household income vs. every US ZIP code

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

$91,452 Top 25% higher than 75% 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 65.6%
Bachelor's Degree or Higher 42.9%

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

Owner 81.3%
Renter 18.7%

$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 →

ZIP 78657 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 78657 ranks #2 by population - useful context the national average alone can't give.

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

ZIP 78657 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 78657 ranks #2 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
78663 Round Mountain, TX 746 8.0 mi
78639 Kingsland, TX 7,334 9.8 mi

More ZIP Codes in Llano County

78639 standard
Kingsland, TX
Pop: 7,334
78643 standard
Llano, TX
Pop: 6,139
78609 standard
Buchanan Dam, TX
Pop: 2,012
78672 standard
Tow, TX
Pop: 931
78607 standard
Bluffton, TX
Pop: 166
76885 standard
Valley Spring, TX
Pop: 154

Related Areas

Llano County Horseshoe Bay, TX Texas

Frequently Asked Questions

What county is ZIP code 78657 in? ▼
ZIP code 78657 (Horseshoe Bay) is located in Llano County, Texas. Llano County contains multiple ZIP codes, see the full list at /counties/llano-tx.
What is the population of ZIP code 78657? ▼
ZIP code 78657 in Horseshoe Bay, TX has a population of 5,509 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 78657? ▼
The median household income in ZIP 78657 is $91,452, which is 20% above the national average of $76,288.
What is the average home value in ZIP 78657? ▼
The median home value in ZIP 78657 is $483,200, which is 74% above the national average of $278,155.
What is the demographic makeup of ZIP 78657? ▼
The largest racial group in ZIP 78657 is White at 87.5%. Hispanic or Latino residents make up 15.7% of the population.
How many businesses are in ZIP code 78657? ▼
ZIP code 78657 has 188 business establishments employing approximately 1,825 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 78657? ▼
The top industries by establishment count in ZIP 78657 are: Construction (41), Professional, scientific, and technical services (27), Real estate and rental and leasing (22). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 78657? ▼
According to the FHFA House Price Index, home values in ZIP 78657 decreased by 7.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 276%. 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 78657? ▼
In ZIP code 78657, 65.6% of residents aged 25+ have a high school diploma or higher, and 42.9% 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 78657? ▼
The mean commute time for workers in ZIP code 78657 is 25.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 78657? ▼
In ZIP code 78657, approximately 81.3% of occupied housing units are owner-occupied and 18.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 78657? ▼
The poverty rate in ZIP code 78657 is 4.9% 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.