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ZIP 78278
Housing & Real Estate

ZIP 78278 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78278

Median Home Value

$355,900

Median Rent

$1,294

Affordability Snapshot

$98,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,286/mo PITI).

15%

Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.4x

Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

22.9 yrs

Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 78278, a household would need roughly $98,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,286. That is roughly in line with the local median household income ($105,091). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel

Housing Metrics

Owner Occupied

72.2%+10% vs US avg

Vacancy Rate

7.0%-33% vs US avg

Broadband Access

92.7%+7% vs US avg

4+ Bedrooms

4.0%-73% vs US avg

Built Pre-1939

0.0%

Built Post-2014

0.0%

Rent Burden >30%

2.0%-96% vs US avg

Mortgage-Free

34.0%-11% vs US avg

$355,900

Home Value

$1,294

Rent

1990

Year Built

2013

Moved In

Residents have lived here since ~2013 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

1-unit detached83.6%
1-unit attached1.6%
2-9 units3.6%
10+ units11.2%
Mobile home & other0.0%

ZIP 78278 — Housing & Real Estate

Housing & Real Estate in ZIP Code 78278

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