Zip code 78657: Horseshoe Bay, Texas

Q: What city is zip code 78657?

78657 is assigned to Horseshoe Bay, Texas. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 78657 in?

78657 is mostly in Llano County, but it extends into 1 other county.

Q: What is the population of 78657?

About 7,591 people live in 78657, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 78657?

The median household income in 78657 is $91,452.

Q: What zip codes are near 78657?

The closest zip codes to 78657 are 78663, 78639, 78654, 78636, 78609.

Residential delivery areaLlano CountyCentral Time

Population

7,591

Median household income

$91K

U.S. $81K

Median home value

$483K

U.S. $333K

Median rent

$1,492/mo

U.S. $1,413

Median age

59.3

U.S. 38.9

Land area

39 sq mi

196 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 78657

78657 is a small-town zip code in Horseshoe Bay, Texas (Llano County), covering 39 sq mi of land. About 7,591 people live here, or 196 per square mile. The median resident is 59.3 years old, compared with 38.9 nationally.

The median household earns $91,452 a year, close to the national median of $80,734. 4.9% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $483,200, or 5.3 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 81% of occupied homes are lived in by their owners, and renters pay a median of $1,492 a month.

43% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 25.2 minutes each way, and 15% of workers work from home. The most common jobs among working residents are in sales; management; and construction and repair. 23% of them are self-employed (U.S.: 10%).

How 78657 compares

Sorted from highest to lowest national percentile

Median age59.3
99th
U.S. 38.9 · TX 35.665th of 1,817 in TX
Residents 65 and older37.7%
99th
U.S. 17.2% · TX 13.4%67th of 1,818 in TX
Self-employed workers22.5%
99th
U.S. 10% · TX 10.5%110th of 1,810 in TX
Housing vacancy34.5%
98th
U.S. 10.1% · TX 9.4%132nd of 1,794 in TX
Veterans13%
96th
U.S. 6.2% · TX 6.2%142nd of 1,818 in TX
Income inequality (Gini)0.527
95th
WeaknessU.S. 0.483 · TX 0.478102nd of 1,785 in TX
Uninsured rate17%
92nd
WeaknessU.S. 8.4% · TX 17.1%791st of 1,808 in TX
Per capita income$68,540
91st
StrengthU.S. $44,673 · TX $40,75288th of 1,813 in TX
Homeownership rate81.3%
81st
StrengthU.S. 65.2% · TX 62.6%557th of 1,792 in TX
Broadband access94.9%
75th
U.S. 91% · TX 91.4%359th of 1,792 in TX
Median home value$483,200
73rd
U.S. $332,700 · TX $283,800127th of 1,679 in TX
Bachelor's degree or higher42.9%
70th
U.S. 35.7% · TX 33.8%280th of 1,811 in TX
Median household income$91,452
63rd
U.S. $80,734 · TX $78,476374th of 1,712 in TX
Work from home15.2%
62nd
U.S. 15.1% · TX 14.4%397th of 1,810 in TX
Median gross rent$1,492
56th
U.S. $1,413 · TX $1,403359th of 1,511 in TX
Average commute25.2 min
44th
U.S. 26.4 min · TX 26.7 min1,005th of 1,738 in TX
Foreign-born residents8.3%
44th
U.S. 14.1% · TX 17.6%925th of 1,818 in TX
Rent-burdened renters47.5%
37th
U.S. 51.1% · TX 51.7%877th of 1,692 in TX
Median earnings per worker$44,280
37th
U.S. $49,666 · TX $47,575878th of 1,794 in TX
Diversity index31.9
26th
U.S. 61.4 · TX 67.11,406th of 1,818 in TX
Tech workers1.5%
23rd
U.S. 3.8% · TX 3.8%858th of 1,810 in TX
Population density196/sq mi
21st
U.S. 95/sq mi · TX 116/sq mi789th of 1,818 in TX
Population7,591
12th
U.S. 334,922,499 · TX 30,188,424897th of 1,818 in TX
Poverty rate4.9%
11th
StrengthU.S. 12.5% · TX 13.8%1,573rd of 1,794 in TX
Unemployment rate2.3%
8th
StrengthU.S. 5.2% · TX 5.3%1,399th of 1,810 in TX
Residents under 1813.5%
5th
U.S. 22% · TX 25%1,641st of 1,818 in TX
Healthcare workers5.3%
5th
U.S. 9.7% · TX 8.6%1,394th of 1,810 in TX
Government workers6.6%
3rd
U.S. 14.5% · TX 14.1%1,685th of 1,810 in TX

Measure	78657	Llano	TX	U.S.	National percentile	Rank in TX
Median age	59.3	57.4	35.6	38.9	99th	65th of 1,817
Residents 65 and older	37.7%	37%	13.4%	17.2%	99th	67th of 1,818
Self-employed workers	22.5%	21.7%	10.5%	10%	99th	110th of 1,810
Housing vacancy	34.5%	31.8%	9.4%	10.1%	98th	132nd of 1,794
Veterans	13%	11.2%	6.2%	6.2%	96th	142nd of 1,818
Income inequality (Gini)Weakness	0.527	0.511	0.478	0.483	95th	102nd of 1,785
Uninsured rateWeakness	17%	15.8%	17.1%	8.4%	92nd	791st of 1,808
Per capita incomeStrength	$68,540	$51,844	$40,752	$44,673	91st	88th of 1,813
Homeownership rateStrength	81.3%	76.5%	62.6%	65.2%	81st	557th of 1,792
Broadband access	94.9%	88.5%	91.4%	91%	75th	359th of 1,792
Median home value	$483,200	$356,500	$283,800	$332,700	73rd	127th of 1,679
Bachelor's degree or higher	42.9%	32.4%	33.8%	35.7%	70th	280th of 1,811
Median household income	$91,452	$67,530	$78,476	$80,734	63rd	374th of 1,712
Work from home	15.2%	15%	14.4%	15.1%	62nd	397th of 1,810
Median gross rent	$1,492	$998	$1,403	$1,413	56th	359th of 1,511
Average commute	25.2 min	27.4 min	26.7 min	26.4 min	44th	1,005th of 1,738
Foreign-born residents	8.3%	4.9%	17.6%	14.1%	44th	925th of 1,818
Rent-burdened renters	47.5%	53.4%	51.7%	51.1%	37th	877th of 1,692
Median earnings per worker	$44,280	$44,894	$47,575	$49,666	37th	878th of 1,794
Diversity index	31.9	30.7	67.1	61.4	26th	1,406th of 1,818
Tech workers	1.5%	1.3%	3.8%	3.8%	23rd	858th of 1,810
Population density	196/sq mi	24/sq mi	116/sq mi	95/sq mi	21st	789th of 1,818
Population	7,591	22,424	30,188,424	334,922,499	12th	897th of 1,818
Poverty rateStrength	4.9%	12%	13.8%	12.5%	11th	1,573rd of 1,794
Unemployment rateStrength	2.3%	4.4%	5.3%	5.2%	8th	1,399th of 1,810
Residents under 18	13.5%	15.4%	25%	22%	5th	1,641st of 1,818
Healthcare workers	5.3%	7.6%	8.6%	9.7%	5th	1,394th of 1,810
Government workers	6.6%	13.9%	14.1%	14.5%	3rd	1,685th of 1,810

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

5–17

18–24

25–34

35–44

45–54

18%

55–64

20%

65–74

18%

75+

Median age

59.3

Under 18

13.5%

65 and over

37.7%

Race and ethnicity

White81%
Black0.1%
Hispanic16%
Asian0.6%
Native American0%
Pacific Islander0%
Other0.3%
Multiracial2%

Diversity index

31.9

U.S. 61.4

Foreign-born

8.3%

U.S. 14.1%

Born in state

54.5%

Language spoken at home (households)

English only

91%

Spanish

Other Indo-European

Asian / Pacific

0.1%

Other

Households

Households: 3,526
Average household size: 2.2
Family households: 66.1%
Married couples: 59.6%
Living alone: 31.6%
Veterans (of adults): 13%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

12%

$25–50k

15%

$50–75k

15%

$75–100k

13%

$100–150k

18%

$150–200k

11%

$200k+

16%

Median household income

78657

$91,452

Llano Co.

$67,530

Texas

$78,476

United States

$80,734

Per capita income

$68,540

U.S. $44,673

Poverty rate

4.9%

U.S. 12.5%

Households earning $150K+

27.6%

U.S. 23%

Income inequality (Gini)

0.527

U.S. 0.483

Housing

Median home value

78657

$483,200

Llano Co.

$356,500

Texas

$283,800

United States

$332,700

Median gross rent

78657

$1,492

Llano Co.

$998

Texas

$1,403

United States

$1,413

Types of housing

Single-family

81%

2–4 units

5–19 units

20+ units

0.7%

Mobile home

Boat, RV, van

0.2%

Housing units: 5,385
Owner-occupied: 81.3%
Vacant: 34.5%
Median year built: 1995
Median rooms: 5.7
Renters paying 30%+ of income: 47.5%
Renters paying 50%+ of income: 8.3%
Home value to income: 5.3× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

70%

Carpooled

11%

Transit

Walked

Bicycle

Worked from home

15%

Other

Commute time (one way)

<10 min

20%

10–19

38%

20–29

15%

30–44

11%

45–59

60+

10%

Average commute

25.2 min

U.S. 26.4 min

Unemployment

2.3%

U.S. 5.2%

In labor force

49.5%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Sales

17%

Management

17%

Construction and repair

13%

Office and admin

Cleaning and personal care

Healthcare

Education

Business and finance

Food service

Production

Transportation and moving

Legal and social services

Arts, media and sports

Engineering and science

Farming, fishing and forestry

Computer and math

Police and fire

0.2%

Industries

Finance, insurance and real estate

14%

Retail

11%

Construction

11%

Professional and technical services

10%

Manufacturing

Restaurants and hotels

Health care and social assistance

Agriculture and mining

Admin, support and management

Transportation, warehousing and utilities

Education

Other services

Arts and recreation

Public administration

Wholesale

0.8%

Information

0.1%

Median earnings per worker

$44,280

U.S. $49,666

Self-employed

22.5%

U.S. 10%

Government workers

6.6%

U.S. 14.5%

Nonprofit workers

4.6%

U.S. 8.8%

Median earnings by type of work

Type of work	78657	U.S.
Management, business, science and arts	$76,389	$74,888
Service	$17,045	$26,804
Sales and office	$35,662	$40,476
Construction and maintenance	$44,273	$49,199
Production and transportation	$42,986	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

23%

Some college

23%

Associate's

Bachelor's

30%

Graduate

13%

High school graduate or higher: 95.5%
Bachelor's degree or higher: 42.9%
Graduate or professional degree: 13.1%
Households with broadband: 94.9%
Cable, fiber or DSL: 58.2%
No internet access: 3.1%
Without health insurance: 17%
Limited-English households: 1.2%

Geography

City (USPS): Horseshoe Bay
State: Texas
County: Llano County
Center point: 30.5334° N, 98.3783° W
Land area: 39 sq mi
Water area: 3.7 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

78657 spans 2 counties

Llano County69% of land
Burnet County31% of land

Cities and towns within this zip

Horseshoe Bay37% of zip
Cottonwood Shores3% of zip
Marble Falls3% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 78657

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
78663	Round Mountain, TX	9.1 mi	503	$168,125	$356,800
78639	Kingsland, TX	9.7 mi	8,719	$57,742	$245,500
78654	Marble Falls, TX	10 mi	20,650	$74,130	$358,400
78636	Johnson City, TX	15 mi	4,134	$72,663	$532,600
78609	Buchanan Dam, TX	15 mi	1,983	$64,418	$319,700
78669	Spicewood, TX	16 mi	12,592	$128,000	$671,000
78611	Burnet, TX	19 mi	14,560	$80,938	$319,300
78675	Willow City, TX	21 mi	102	$78,472	$451,500
78607	Bluffton, TX	21 mi	118	$58,594	$243,800
78643	Llano, TX	22 mi	7,088	$68,365	$362,600
78635	Hye, TX	25 mi	92	$106,458	—
78645	Leander, TX	25 mi	15,256	$113,008	$434,600

Zip codes like 78657 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 78657

What city is zip code 78657?

78657 is assigned to Horseshoe Bay, Texas. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 78657 in?

78657 is mostly in Llano County, but it extends into 1 other county.

What is the population of 78657?

About 7,591 people live in 78657, according to the Census Bureau's American Community Survey.

What time zone is 78657 in?

78657 is in Central Time.

What is the median household income in 78657?

The median household income in 78657 is $91,452.

What zip codes are near 78657?

The closest zip codes to 78657 are 78663, 78639, 78654, 78636, 78609.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 78657, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.