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San Marcos city, TX

ZIP 78666 — Housing & Real Estate

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

Working ClassLarge CommunityLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78666

Median Home Value
$271,900
Median Rent
$1,134
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,747/mo PITI).

25%
Rent-to-Income Ratio

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

4.9x
Home Price-to-Income Ratio

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

20.0 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 78666 in San Marcos city, TX, a household would need roughly $75,000 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 $1,747. That is about 35% above the local median household income ($55,478), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
38.4%-41% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
85.0%-2% vs US avg
x
4+ Bedrooms
1.3%-91% vs US avg
x
Built Pre-1939
2.0%-84% vs US avg
x
Built Post-2014
3.9%-44% vs US avg
x
Rent Burden >30%
33.3%-33% vs US avg
x
Mortgage-Free
45.1%+18% vs US avg
x
$271,900
Home Value
$1,134
Rent
1997
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached38.6%
  • 1-unit attached3.5%
  • 2-9 units16.7%
  • 10+ units33.2%
  • Mobile home & other8.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$271,900
Median rent$1,134
Owner-occupied38.4%
Vacant6.9%
Price-to-income4.9x
Est. income to buy$75,000