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Lago Vista city, TX

ZIP 78645 — 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 78645

Median Home Value
$387,200
Median Rent
$1,254
Affordability Snapshot
$107,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,487/mo PITI).

14%
Rent-to-Income Ratio

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

3.6x
Home Price-to-Income Ratio

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

25.7 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 78645 in Lago Vista city, TX, a household would need roughly $107,000 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 $2,487. That is roughly in line with the local median household income ($108,393). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.3%+36% vs US avg
x
Vacancy Rate
13.2%+28% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
3.2%-79% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
5.5%-20% vs US avg
x
Rent Burden >30%
8.4%-83% vs US avg
x
Mortgage-Free
34.4%-10% vs US avg
x
$387,200
Home Value
$1,254
Rent
2003
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached78.1%
  • 1-unit attached5.6%
  • 2-9 units7.6%
  • 10+ units2.5%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$387,200
Median rent$1,254
Owner-occupied89.3%
Vacant13.2%
Price-to-income3.6x
Est. income to buy$107,000