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Marble Falls city, TX

ZIP 78654 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78654

Median Home Value
$315,200
Median Rent
$1,191
Affordability Snapshot
$87,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,025/mo PITI).

20%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

22.1 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 78654 in Marble Falls city, TX, a household would need roughly $87,000 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 $2,025. That is about 20% above the local median household income ($72,669), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 19% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
67.5%+3% vs US avg
x
Vacancy Rate
19.1%+85% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
2.5%-83% vs US avg
x
Built Pre-1939
1.3%-90% vs US avg
x
Built Post-2014
1.2%-83% vs US avg
x
Rent Burden >30%
13.8%-72% vs US avg
x
Mortgage-Free
54.5%+43% vs US avg
x
$315,200
Home Value
$1,191
Rent
1995
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 detached68.1%
  • 1-unit attached3.1%
  • 2-9 units11.5%
  • 10+ units4.2%
  • Mobile home & other13.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$315,200
Median rent$1,191
Owner-occupied67.5%
Vacant19.1%
Price-to-income4.3x
Est. income to buy$87,000