Estimated zip code population in 2021: 6,854 Zip code population in 2010: 5,509 Zip code population in 2000: 1,113
Houses and condos: 5,345 Renter-occupied apartments: 404
% of renters here:
13%
State:
37%
March 2022 cost of living index in zip code 78657: 86.0 (less than average, U.S. average is 100)
Land area: 39.5 sq. mi. Water area: 3.2 sq. mi.
Population density: 174 people per square mile
(very low).
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Real estate property taxes paid for housing units in 2021:
This zip code:
1.0% ($3,635)
Texas:
1.6% ($3,797)
Median real estate property taxes paid for housing units with mortgages in 2021: $3,549 (1.0%) Median real estate property taxes paid for housing units with no mortgage in 2021: $3,806 (1.0%)
Estimated median house/condo value in 2021: $378,609
78657:
$378,609
Texas:
$237,400
According to our research of Texas and other state lists, there were 5 registered sex offenders living in 78657 zip code as of March 19, 2024. The ratio of all residents to sex offenders in zip code 78657 is 1,091 to 1. The ratio of registered sex offenders to all residents in this zip code is much lower than the state average.
Median resident age:
This zip code:
59.4 years
Texas median age:
35.5 years
Average household size:
This zip code:
2.2 people
Texas:
2.7 people
Averages for the 2020 tax year for zip code 78657, filed in 2013:
Average Adjusted Gross Income (AGI) in 2020: $182,987 (Individual Income Tax Returns)
Here:
$182,987
State:
$77,054
Salary/wage: $101,299 (reported on 60.6% of returns)
Here:
$101,299
State:
$62,766
(% of AGI for various income ranges: 1089.5% for AGIs below $25k, 3287.8% for AGIs $25k-50k, 5376.1% for AGIs $50k-75k, 7838.8% for AGIs $75k-100k, 12994.8% for AGIs $100k-200k, 135670.0% for AGIs over 200k)
Taxable interest for individuals: $6,627 (reported on 51.6% of returns)
This zip code:
$6,627
Texas:
$2,665
(% of AGI for various income ranges: 40.7% for AGIs below $25k, 94.3% for AGIs $25k-50k, 152.6% for AGIs $50k-75k, 240.6% for AGIs $75k-100k, 551.9% for AGIs $100k-200k, 9177.0% for AGIs over 200k)
Ordinary dividends: $51,700 (reported on 40.5% of returns)
Here:
$51,700
State:
$10,044
(% of AGI for various income ranges: 111.8% for AGIs below $25k, 213.3% for AGIs $25k-50k, 548.3% for AGIs $50k-75k, 993.8% for AGIs $75k-100k, 2346.7% for AGIs $100k-200k, 63148.0% for AGIs over 200k)
Net capital gain/loss in AGI: +$91,973 (reported on 40.2% of returns)
Here:
+$91,973
State:
+$39,590
(% of AGI for various income ranges: 26.7% for AGIs below $25k, 113.0% for AGIs $25k-50k, 166.1% for AGIs $50k-75k, 617.5% for AGIs $75k-100k, 2475.9% for AGIs $100k-200k, 121879.0% for AGIs over 200k)
Profit/loss from business: +$25,788 (reported on 23.2% of returns)
Here:
+$25,788
State:
+$10,888
(% of AGI for various income ranges: 259.6% for AGIs below $25k, 291.3% for AGIs $25k-50k, 444.3% for AGIs $50k-75k, 340.0% for AGIs $75k-100k, 1830.7% for AGIs $100k-200k, 11869.0% for AGIs over 200k)
Taxable individual retirement arrangement distribution: $45,103 (reported on 22.1% of returns)
78657:
$45,103
Texas:
$24,740
(% of AGI for various income ranges: 110.5% for AGIs below $25k, 237.6% for AGIs $25k-50k, 734.3% for AGIs $50k-75k, 1444.4% for AGIs $75k-100k, 4255.6% for AGIs $100k-200k, 17989.0% for AGIs over 200k)
Self-employed (Keogh) retirement plans: $43,125 (reported on 1.1% of returns)
78657:
$43,125
Texas:
$29,298
(% of AGI for various income ranges: 1725.0% for AGIs over 200k)
Total itemized deductions: $50,835 (reported on 17.8% of returns)
Here:
$50,835
State:
$40,428
(% of AGI for various income ranges: 144.7% for AGIs below $25k, 314.3% for AGIs $25k-50k, 901.3% for AGIs $50k-75k, 741.3% for AGIs $75k-100k, 2440.4% for AGIs $100k-200k, 19936.0% for AGIs over 200k)
Charity contributions: $23,279 (reported on 15.9% of returns)
Here:
$23,279
State:
$18,201
(% of AGI for various income ranges: 12.2% for AGIs below $25k, 36.1% for AGIs $25k-50k, 121.3% for AGIs $50k-75k, 149.4% for AGIs $75k-100k, 736.7% for AGIs $100k-200k, 10296.0% for AGIs over 200k)
Taxes paid: $8,283 (reported on 17.8% of returns)
78657:
$8,283
State:
$7,821
(% of AGI for various income ranges: 32.4% for AGIs below $25k, 47.8% for AGIs $25k-50k, 131.7% for AGIs $50k-75k, 156.3% for AGIs $75k-100k, 568.1% for AGIs $100k-200k, 2733.0% for AGIs over 200k)
Earned income credit: $2,262 (reported on 9.6% of returns)
Here:
$2,262
State:
$2,584
(% of AGI for various income ranges: 80.2% for AGIs below $25k, 71.3% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2020 taxes: 90.4%
Here:
90%
State:
92%
(% for various income ranges: 89.8% for AGIs below $25k, 90.0% for AGIs $25k-50k, 92.3% for AGIs $50k-75k, 90.3% for AGIs $75k-100k, 89.7% for AGIs $100k-200k, 91.2% for AGIs over 200k)
Averages for the 2012 tax year for zip code 78657, filed in 2013:
Average Adjusted Gross Income (AGI) in 2012: $158,853 (Individual Income Tax Returns)
Here:
$158,853
State:
$65,384
Salary/wage: $67,515 (reported on 61.5% of returns)
Here:
$67,515
State:
$52,524
(% of AGI for various income ranges: 62.2% for AGIs below $25k, 60.2% for AGIs $25k-50k, 46.9% for AGIs $50k-75k, 42.0% for AGIs $75k-100k, 34.1% for AGIs $100k-200k, 18.4% for AGIs over 200k)
Taxable interest for individuals: $6,853 (reported on 50.2% of returns)
This zip code:
$6,853
Texas:
$2,372
(% of AGI for various income ranges: 4.2% for AGIs below $25k, 1.7% for AGIs $25k-50k, 2.1% for AGIs $50k-75k, 3.2% for AGIs $75k-100k, 2.0% for AGIs $100k-200k, 2.1% for AGIs over 200k)
Ordinary dividends: $40,928 (reported on 39.2% of returns)
Here:
$40,928
State:
$9,721
(% of AGI for various income ranges: 4.8% for AGIs below $25k, 5.1% for AGIs $25k-50k, 4.8% for AGIs $50k-75k, 7.3% for AGIs $75k-100k, 5.6% for AGIs $100k-200k, 12.1% for AGIs over 200k)
Net capital gain/loss in AGI: +$88,671 (reported on 37.7% of returns)
Here:
+$88,671
State:
+$35,319
(% of AGI for various income ranges: 0.7% for AGIs $25k-50k, 1.3% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 4.5% for AGIs $100k-200k, 29.4% for AGIs over 200k)
Profit/loss from business: +$18,597 (reported on 23.4% of returns)
Here:
+$18,597
State:
+$13,732
(% of AGI for various income ranges: 11.3% for AGIs below $25k, 7.8% for AGIs $25k-50k, 5.0% for AGIs $50k-75k, 1.9% for AGIs $75k-100k, 5.6% for AGIs $100k-200k, 1.4% for AGIs over 200k)
Taxable individual retirement arrangement distribution: $38,181 (reported on 25.3% of returns)
78657:
$38,181
Texas:
$19,511
(% of AGI for various income ranges: 7.6% for AGIs below $25k, 6.0% for AGIs $25k-50k, 7.4% for AGIs $50k-75k, 10.2% for AGIs $75k-100k, 13.6% for AGIs $100k-200k, 4.1% for AGIs over 200k)
Self-employment retirement plans: $27,175 (reported on 1.5% of returns)
78657:
$27,175
Texas:
$23,938
Total itemized deductions: $38,909 (13% of AGI, reported on 44.0% of returns)
Here:
$38,909
State:
$24,724
Here:
12.8% of AGI
State:
15.9% of AGI
(% of AGI for various income ranges: 21.0% for AGIs below $25k, 15.9% for AGIs $25k-50k, 16.4% for AGIs $50k-75k, 17.4% for AGIs $75k-100k, 17.1% for AGIs $100k-200k, 7.9% for AGIs over 200k)
Charity contributions: $9,642 (reported on 37.4% of returns)
Here:
$9,642
State:
$6,808
(% of AGI for various income ranges: 1.4% for AGIs below $25k, 2.2% for AGIs $25k-50k, 1.6% for AGIs $50k-75k, 2.3% for AGIs $75k-100k, 3.2% for AGIs $100k-200k, 2.2% for AGIs over 200k)
Taxes paid: $13,356 (reported on 43.2% of returns)
78657:
$13,356
State:
$6,921
(% of AGI for various income ranges: 5.2% for AGIs below $25k, 4.6% for AGIs $25k-50k, 3.9% for AGIs $50k-75k, 5.3% for AGIs $75k-100k, 5.7% for AGIs $100k-200k, 2.9% for AGIs over 200k)
Earned income credit: $2,374 (reported on 13.9% of returns)
Here:
$2,374
State:
$2,570
(% of AGI for various income ranges: 6.4% for AGIs below $25k, 1.1% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2012 taxes: 57.5%
Here:
58%
State:
51%
(% for various income ranges: 48.2% for AGIs below $25k, 48.1% for AGIs $25k-50k, 57.6% for AGIs $50k-75k, 57.7% for AGIs $75k-100k, 68.2% for AGIs $100k-200k, 81.8% for AGIs over 200k)
Averages for the 2004 tax year for zip code 78657, filed in 2005:
Average Adjusted Gross Income (AGI) in 2004: $87,786 (Individual Income Tax Returns)
Here:
$87,786
State:
$47,881
Salary/wage: $54,726 (reported on 57.8% of returns)
Here:
$54,726
State:
$41,947
(% of AGI for various income ranges: 57.4% for AGIs $10k-25k, 56.2% for AGIs $25k-50k, 37.0% for AGIs $50k-75k, 37.2% for AGIs $75k-100k, 30.1% for AGIs over 100k)
Taxable interest for individuals: $5,483 (reported on 64.2% of returns)
This zip code:
$5,483
Texas:
$2,255
(% of AGI for various income ranges: 5.3% for AGIs $10k-25k, 4.1% for AGIs $25k-50k, 5.0% for AGIs $50k-75k, 2.9% for AGIs $75k-100k, 3.4% for AGIs over 100k)
Taxable dividends: $13,511 (reported on 47.1% of returns)
Here:
$13,511
State:
$4,261
(% of AGI for various income ranges: 4.4% for AGIs $10k-25k, 4.3% for AGIs $25k-50k, 4.5% for AGIs $50k-75k, 6.0% for AGIs $75k-100k, 7.8% for AGIs over 100k)
Net capital gain/loss: +$37,977 (reported on 46.0% of returns)
Here:
+$37,977
State:
+$16,110
(% of AGI for various income ranges: -0.8% for AGIs $10k-25k, 0.9% for AGIs $25k-50k, 2.5% for AGIs $50k-75k, 3.3% for AGIs $75k-100k, 26.8% for AGIs over 100k)
Profit/loss from business: +$20,917 (reported on 26.2% of returns)
Here:
+$20,917
State:
+$11,013
(% of AGI for various income ranges: 9.5% for AGIs $10k-25k, 6.2% for AGIs $25k-50k, 2.8% for AGIs $50k-75k, 4.3% for AGIs $75k-100k, 6.3% for AGIs over 100k)
Profit/loss from farming: +$4,500 (reported on 2.7% of returns)
Here:
+$4,500
State:
-$9,403
IRA payment deduction: $3,753 (reported on 3.2% of returns)
78657:
$3,753
Texas:
$3,120
(% of AGI for various income ranges: 0.2% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.1% for AGIs over 100k)
Self-employed pension: $19,031 (reported on 1.4% of returns)
Here:
$19,031
Texas:
$16,401
Total itemized deductions: $27,307 (19% of AGI, reported on 45.9% of returns)
Here:
$27,307
State:
$19,631
Here:
19.0% of AGI
State:
18.9% of AGI
(% of AGI for various income ranges: 24.5% for AGIs $10k-25k, 18.0% for AGIs $25k-50k, 17.6% for AGIs $50k-75k, 19.1% for AGIs $75k-100k, 11.2% for AGIs over 100k)
Charity contributions deductions: $6,027 (4% of AGI, reported on 39.9% of returns)
Here:
$6,027
State:
$4,753
Here:
3.8% of AGI
State:
4.2% of AGI
(% of AGI for various income ranges: 2.4% for AGIs $10k-25k, 2.1% for AGIs $25k-50k, 2.0% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 2.8% for AGIs over 100k)
Total tax: $18,251 (reported on 80.0% of returns)
78657:
$18,251
State:
$9,058
(% of AGI for various income ranges: 4.3% for AGIs $10k-25k, 7.2% for AGIs $25k-50k, 9.5% for AGIs $50k-75k, 10.8% for AGIs $75k-100k, 19.5% for AGIs over 100k)
Earned income credit: $1,782 (reported on 10.5% of returns)
Here:
$1,782
State:
$2,024
Percentage of individuals using paid preparers for their 2004 taxes: 64.8%
Here:
65%
State:
57%
(% for various income ranges: 60.5% for AGIs below $10k, 61.7% for AGIs $10k-25k, 62.1% for AGIs $25k-50k, 64.4% for AGIs $50k-75k, 56.9% for AGIs $75k-100k, 77.5% for AGIs over 100k)
Household received Food Stamps/SNAP in the past 12 months: 178 Household did not receive Food Stamps/SNAP in the past 12 months: 2,905
Women who had a birth in the past 12 months: 23 (0 now married, 23 unmarried) Women who did not have a birth in the past 12 months: 1,091 (416 now married, 676 unmarried)
Housing units in zip code 78657 with a mortgage: 1,127 (30 second mortgage, 27 both second mortgage and home equity loan) Median monthly owner costs for units with a mortgage: $1,625 Median monthly owner costs for units without a mortgage: $736
Residents with income below the poverty level in 2021:
This zip code:
6.6%
Whole state:
14.2%
Residents with income below 50% of the poverty level in 2021:
This zip code:
4.1%
Whole state:
7.6%
Median number of rooms in houses and condos:
Here:
6.3
State:
6.3
Median number of rooms in apartments:
Here:
4.9
State:
4.0
Notable locations in this zip code not listed on our city pages
Notable locations in zip code 78657: Horseshoe Bay Fire Department Station 3 (A), Cottonwood Shores Area Volunteer Fire Department (B), Blue Lake Subdivision Fire Station (C), Sandy Harbor Subdivision Fire Station (D), Horseshoe Bay Fire Department Station 2 (E), Cottonwood Shores Community Center (F), Llano County Courthouse (G), Horseshoe Bay Police Station (H), Horseshoe Bay Fire Department Station 1 (I). Display/hide their locations on the map
Streams, rivers, and creeks: Varnhagan Creek (A), Walnut Creek (B), Slickrock Creek (C), Tiger Creek (D), Cedar Branch (E), Pecan Creek (F), Horseshoe Creek (G), Dry Branch (H). Display/hide their locations on the map
416 married couples with children.
192 single-parent households (68 men, 124 women).
83.2% of residents of 78657 zip code speak English at home.
17.4% of residents speak Spanish at home (58% very well, 4% well, 29% not well, 10% not at all).
0.4% of residents speak other Indo-European language at home (100% very well).
0.1% of residents speak Asian or Pacific Island language at home (63% very well, 38% well).
Foreign born population: 938 (13.7%) (20.8% of them are naturalized citizens)
This zip code:
13.7%
Whole state:
17.2%
63%Honduras
14%Guatemala
4%Costa Rica
1%Thailand
1%Italy
1%Bangladesh
1%Taiwan
15%English
13%German
12%Irish
10%American
3%Scotch-Irish
2%Welsh
1%European
Year of entry for the foreign-born population
4282010 or later
2532000 to 2009
971990 to 1999
243Before 1990
Housing units lacking complete plumbing facilities: 1.6% Housing units lacking complete kitchen facilities: 0.8%
93.3%Electricity
4.1%Utility gas
2.3%Bottled, tank, or LP gas
Place of birth for U.S.-born residents:
This state: 3,444
Northeast: 355
Midwest: 794
South: 732
West: 538
51% of the 78657 zip code residents lived in the same house 5 years ago. Out of people who lived in different houses, 17% lived in this county. Out of people who lived in different counties, 50% lived in Texas.
88% of the 78657 zip code residents lived in the same house 1 year ago. Out of people who lived in different houses, 21% moved from this county. Out of people who lived in different houses, 71% moved from different county within same state. Out of people who lived in different houses, 9% moved from different state. Out of people who lived in different houses, 1% moved from abroad.
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 23
Here:
7.3%
Texas:
9.1%
Students in private schools in grades 9 to 12 (high school): 6
Here:
3.1%
Texas:
8.0%
Students in private undergraduate colleges:
Here:
0.0%
Texas:
17.8%
Occupation by median earnings in the past 12 months ($)
157,042Legal occupations
123,092Architecture and engineering occupations
79,797Health diagnosing and treating practitioners and other technical occupations
66,164Management occupations
60,543Production occupations
57,573Education, training, and library occupations
Companies with federal contracts located in this zip code:
CANTER ASSOCIATES, INC (810 WESTERN BIT in HORSESHOE BAY, TX; small business) : $1,849,399 in 54 contractsfrom 2000 to 2006
Contracts for Other Education and Training Services, Education Services, Training/Curriculum Development, ADP Software, Equipment, and Telecommunications Training, and moreby U.S. Army Corps of Engineers - civil program financing only, Army, National Oceanic and Atmospheric Administration/Under Secretary for Oceans and Atmosphere Signed by year:2000: $74,778; 2001: $110,000; 2002: $354,455; 2003: $418,984; 2004: $160,450; 2005: $726,782; 2006: $3,950.
Biggest contracts:
$147,400 with U.S. Army Corps of Engineers - civil program financing only for Other Education and Training Services. Signed on 2005-04-29. Completion date: 2005-09-30.
$147,400 with Army for Other Education and Training Services. Signed on 2005-04-29. Completion date: 2005-09-30.
$139,028 with U.S. Army Corps of Engineers - civil program financing only for Education Services. Taking place in AL. Signed on 2002-09-11. Completion date: 2002-06-28.
$116,427, same as above.Signed on 2002-03-01. Completion date: 2002-06-28.
R R M INC (522 LONG BRANCH RD in HORSESHOE BAY, TX; small business) : $578,700 in 13 contractsfrom 2003 to 2006
Contracts for Educational Services by Army Signed by year:2000: $0; 2001: $0; 2002: $0; 2003: $140,500; 2004: $165,500; 2005: $180,100; 2006: $92,600.
Biggest contracts:
$98,000 with Army for Educational Services. Taking place in IA. Signed on 2005-10-01. Completion date: 2006-09-30.
$92,600, same as above.Signed on 2006-01-27. Completion date: 2006-09-30.
$70,000 with Army for Educational Services. Taking place in WI. Signed on 2004-10-19. Completion date: 2005-09-30.
$55,500 with Army for Educational Services. Taking place in IA. Signed on 2004-11-17. Completion date: 2005-08-05.
HIGH CIRCLE NORTH LESSE (200 HI CIR N in MARBLE FALLS, TX) : $23,246 in 3 contractsfrom 2005 to 2006
$20,760 with Army for Lodging - Hotel/Motel. Signed on 2005-11-08. Completion date: 2005-11-17.
$2,486, same as above.Signed on 2005-12-22. Completion date: 2005-11-17.
$0, same as above.Signed on 2006-05-01. Effective on 2006-04-28. Completion date: 2005-11-17.
Top industries in this zip code by the number of employees in 2005:
Accommodation and Food Services: Hotels (except Casino Hotels) and Motels (250-499 employees: 1 establishment, 100-249 employees: 1 establishment)
Other Services (except Public Administration): Civic and Social Organizations (20-49: 1, 5-9: 1, 1-4: 1)
Finance and Insurance: Commercial Banking (10-19: 1)
Accommodation and Food Services: Limited-Service Restaurants (10-19: 1)
Wholesale Trade: Other Miscellaneous Durable Goods Merchant Wholesalers (10-19: 1)
Other Services (except Public Administration): Parking Lots and Garages (10-19: 1)
Professional, Scientific, and Technical Services: Title Abstract and Settlement Offices (5-9: 2)
Administrative and Support and Waste Management and Remediation Services: Office Administrative Services (5-9: 1, 1-4: 2)
Fatal accident statistics in 2013:
Fatal accident count: 1
Vehicles involved in fatal accidents: 2
Fatal accidents caused by drunken drivers: 0
Fatalities: 1
Persons involved in fatal accidents: 4
Pedestrians involved in fatal accidents: 0
Fatal accident statistics in 2011:
Fatal accident count: 1
Vehicles involved in fatal accidents: 1
Fatal accidents caused by drunken drivers: 0
Fatalities: 1
Persons involved in fatal accidents: 1
Pedestrians involved in fatal accidents: 0
2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents
According to the data from the years 2002 - 2018 the average number of fires per year is 31. The highest number of reported fire incidents - 59 took place in 2018, and the least - 14 in 2014. The data has an increasing trend.
When looking into fire subcategories, the most reports belonged to: Outside Fires (54.6%), and Structure Fires (27.8%).
Fire incident types reported to NFIRS in Zip Code 78657