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Liberty Hill city, TX

ZIP 78642 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78642

Median Home Value
$486,800
Median Rent
$1,351
Affordability Snapshot
$134,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,127/mo PITI).

13%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

30.0 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 78642 in Liberty Hill city, TX, a household would need roughly $134,000 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 $3,127. That is roughly in line with the local median household income ($128,086). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics

Newer development area (20% built after 2014)

Owner Occupied
86.0%+32% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
9.1%-39% vs US avg
x
Built Pre-1939
0.1%-99% vs US avg
x
Built Post-2014
19.5%+183% vs US avg
x
Rent Burden >30%
10.2%-79% vs US avg
x
Mortgage-Free
33.0%-14% vs US avg
x
$486,800
Home Value
$1,351
Rent
2013
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached79.8%
  • 1-unit attached1.9%
  • 2-9 units3.5%
  • 10+ units0.8%
  • Mobile home & other14.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$486,800
Median rent$1,351
Owner-occupied86.0%
Vacant5.0%
Price-to-income3.8x
Est. income to buy$134,000