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Austin city, TX

ZIP 78746 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 78746

Median Home Value
$1,352,500
Median Rent
$1,916
Affordability Snapshot
$372,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$8,688/mo PITI).

13%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

58.8 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 78746 in Austin city, TX, a household would need roughly $372,000 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 $8,688. That is about 103% above the local median household income ($183,028), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
66.7%+2% vs US avg
x
Vacancy Rate
7.6%-27% vs US avg
x
Broadband Access
98.3%+13% vs US avg
x
4+ Bedrooms
13.4%-10% vs US avg
x
Built Pre-1939
0.2%-99% vs US avg
x
Built Post-2014
0.7%-90% vs US avg
x
Rent Burden >30%
20.5%-59% vs US avg
x
Mortgage-Free
42.9%+12% vs US avg
x
$1,352,500
Home Value
$1,916
Rent
1987
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached65.6%
  • 1-unit attached4.6%
  • 2-9 units10.0%
  • 10+ units19.7%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,352,500
Median rent$1,916
Owner-occupied66.7%
Vacant7.6%
Price-to-income7.4x
Est. income to buy$372,000