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San Marcos city, TX

ZIP 78656 — 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 78656

Median Home Value
$194,900
Median Rent
$1,154
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,252/mo PITI).

18%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.1 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 78656 in San Marcos city, TX, a household would need roughly $54,000 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 $1,252. That sits below the local median household income ($78,058), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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
63.5%-3% vs US avg
x
Vacancy Rate
1.1%-89% vs US avg
x
Broadband Access
80.6%-7% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
3.1%-55% vs US avg
x
Rent Burden >30%
26.9%-46% vs US avg
x
Mortgage-Free
55.3%+45% vs US avg
x
$194,900
Home Value
$1,154
Rent
1997
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 detached43.1%
  • 1-unit attached0.9%
  • 2-9 units0.9%
  • 10+ units6.4%
  • Mobile home & other48.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$194,900
Median rent$1,154
Owner-occupied63.5%
Vacant1.1%
Price-to-income2.5x
Est. income to buy$54,000