Residential delivery area · Texas
ZIP Code 78657: Horseshoe Bay, TX
ZIP code 78657 uses the postal name Horseshoe Bay, Texas and lies mostly in Llano County (69% of its land) with the rest in Burnet County (Census 2020 ZIP-county file). About 7,600 people live there (Census Bureau, ACS 2020-2024). Median household income is $91,452 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Horseshoe Bay (37%) and Cottonwood Shores (3%), and 3% in smaller places; 58% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2024
- ZBP2023
- IRS2022
- Town
- Horseshoe Bay · its only residential ZIP
- County
- Llano County (69%); Burnet County (31%)
- Census places
- Horseshoe Bay (37%); Cottonwood Shores (3%)
- House districts
- TX-11 (69%), TX-31 (31%) 119th Congress, by share of land
- State
- Texas
- Time zone
- Central
- Land area
- 38.8 sq mi · 196 people per sq mi
Where is ZIP code 78657?
78657 centers on 30.533°, -98.378° and covers 38.8 square miles of land plus 3.7 of water. It borders 3 ZIP codes: 78663, 78654, 78643.
The map draws ZIP code areas only. For the streets inside 78657, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 78657 compare with the rest of Llano County?
| Measure | 78657 | In Llano County | In TX |
|---|---|---|---|
| People (ACS 2020-2024) | 7,591 | 3rd of 10 | 897th of 1,990 |
| Median household income | $92k | 1st of 5 | 300th of 1,172 |
| Median home value | $483k | 1st of 4 | 116th of 1,172 |
Its median household income is higher than in 75% of U.S. residential ZIP codes, and it is denser than 62% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 78657?
The 2020 Census counted 6,531 people in 78657; the ACS, which samples households over 2020-2024, estimates 7,591. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 7,591
- 2020 Census count
- 6,531
- Households
- 3,526
- Median age
- 59.3
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 78657?
Of the 7,591 people the ACS estimates in 78657, 13.5% are under 18 and 37.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (81.0%), then Hispanic or Latino (15.7%).
- Under 1813.5%
- 18 to 6448.7%
- 65 and older37.7%
- White, not Hispanic81.0%
- Hispanic or Latino15.7%
- Other or two or more2.6%
- Asian, not Hispanic0.6%
- Black, not Hispanic0.1%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 78657 earn?
Median household income is $91,452 (ACS 2020-2024), the highest of the 5 ranked ZIP codes in Llano County.
- Median household income
- $91,452
- Income per person
- $68,540
- Below the poverty line
- 4.9%
- Unemployed (of the labor force)
- 2.3%
- Adults 25+ with a bachelor's degree
- 42.9%
- Adjusted gross income per tax return, 2022
- $239,6883,780 returns; wages 33% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 78657?
- Median home value (owners' estimate)
- $483,200
- Median gross rent
- $1,492
- Homes owned by their occupants
- 81.3%
- Housing units
- 5,385
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 78657?
188 business establishments had a location in this ZIP code in 2023, 24 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction41
- Professional, scientific, and technical services27
- Real estate and rental and leasing22
- Finance and insurance20
- Retail trade16
- Other services (except public administration)12
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 78657?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 78663 | Round Mountain | 503 | $168k | 9.1 mi |
| 78654 | Marble Falls | 20,650 | $74k | 10.3 mi |
| 78643 | Llano | 7,088 | $68k | 22.4 mi |
| 78639 | Kingsland | 8,719 | $58k | 9.7 mi (near) |
| 78636 | Johnson City | 4,134 | $73k | 15.2 mi (near) |
| 78609 | Buchanan Dam | 1,983 | $64k | 15.4 mi (near) |
| 78669 | Spicewood | 12,592 | $128k | 16.4 mi (near) |
| 78611 | Burnet | 14,560 | $81k | 19.3 mi (near) |
| 78675 | Willow City | 102 | $79k | 20.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.