Housing data for ZIP code 78645

Name: Housing in ZIP code 78645, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

ZIP code 78645 has an estimated 15,256 residents and 7,984 homes (US Census Bureau, 2020–2024 American Community Survey).

Most of its land lies in Lago Vista, Travis County.

9.2% of households rent.

The median gross rent is $1,608 (±$579) a month.

The median home value is $434,600 (±$18,800).

The median household income is $113,008 (±$13,091) a year.

Figures last updated on November 12, 2026.

Residents: 15,256 (±546)
Median gross rent: $1,608
Median home value: $434,600
Households that rent: 9.2%

How ZIP code 78645 compares

Estimate (90% margin of error)
	ZIP 78645	Lago Vista	Travis County	Texas	United States
Residents	15,256 (±546)	9,650	1,330,015	30,188,424	334,922,499
Housing units	7,984 (±394)	4,926	618,236	12,128,515	143,775,355
Households that rent	9.2% (±3.5 points)	10.4%	47.9%	37.4%	34.8%
Median gross rent	$1,608 (±$579)	$1,436	$1,744	$1,403	$1,413
Median home value	$434,600 (±$18,800)	$420,000	$523,000	$283,800	$332,700
Median household income	$113,008 (±$13,091)	$113,457	$99,611	$78,476	$80,734
Median real estate taxes (a year)	$6,390 (±$447)	$6,042	$7,727	$4,232	$3,119
Renters paying 30% or more of income	70.6% (±24.1 points)	81.5%	48.5%	51.7%	51.1%
Built before 1980	14.7% (±3.5 points)	14.3%	24.1%	33.2%	49.7%
Average commute	35.4 minutes (±2.9)	34.7 minutes	25.2 minutes	26.7 minutes	26.4 minutes
Households with broadband	95.5% (±3.0 points)	94.8%	94.3%	91.4%	91.0%
Median age of residents	54.4 years (±1.8)	54.1 years	35.6 years	35.6 years	38.9 years

In ZIP 78645, median gross rent is not measurably different from Travis County ($1,744).

It is not measurably different from Texas ($1,403).

It is not measurably different from the national figure ($1,413).

The median gross rent in ZIP code 78645 is not measurably different from Lago Vista as a whole ($1,436).

Its median home value is not measurably different from Lago Vista as a whole ($420,000).

Among the 47 ZIP codes in Travis County with a published estimate, ZIP 78645 ranks 38 from highest to lowest median gross rent.

Among the 46 ZIP codes in Travis County with a published estimate, ZIP 78645 ranks 35 from highest to lowest median home value.

Among the 46 ZIP codes in Travis County with a published estimate, ZIP 78645 ranks 17 from highest to lowest median household income.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

Rent in ZIP code 78645

Share of rented homes in each gross-rent range, 2020–2024
Monthly gross rent	ZIP 78645	Travis County	Texas	United States
Less than $500	25.4% (±32.6 points)	2.0%	3.9%	6.3%
$500 to $999	7.0% (±8.2 points)	4.0%	17.4%	20.2%
$1,000 to $1,499	13.2% (±14.8 points)	26.7%	35.4%	28.1%
$1,500 to $1,999	20.6% (±14.7 points)	35.4%	25.2%	21.1%
$2,000 to $2,499	18.6% (±13.9 points)	17.9%	11.1%	12.0%
$2,500 to $2,999	11.5% (±13.0 points)	7.6%	4.0%	5.5%
$3,000 or more	3.7% (±4.0 points)	6.3%	2.9%	6.8%

The most common range is Less than $500, paid by 25.4% of renting households.

Rent by bedrooms in ZIP code 78645

Median gross rent by number of bedrooms, estimate (90% margin of error)
Bedrooms	Census median
1 bedroom	$332 (±$289)
2 bedrooms	$1,453 (±$170)
3 bedrooms	$2,157 (±$194)
4 bedrooms	$2,741 (±$401)

Rent burden in ZIP code 78645

Renting households by gross rent as a percentage of household income, 2020–2024
Share of income spent on rent	ZIP 78645	Travis County	Texas	United States
Less than 15%	6.1% (±8.6 points)	11.1%	11.2%	12.6%
15% to 19.9%	4.7% (±6.8 points)	13.2%	12.3%	12.2%
20% to 24.9%	10.8% (±10.6 points)	14.8%	13.2%	12.6%
25% to 29.9%	7.8% (±9.9 points)	12.4%	11.6%	11.5%
30% to 34.9%	4.7% (±7.6 points)	9.1%	9.4%	9.2%
35% or more	65.9% (±22.9 points)	39.4%	42.3%	41.9%

70.6% (±24.1 points) of renting households in ZIP code 78645 spend 30% or more of their income on gross rent.

Home values in ZIP code 78645

Owner-occupied homes by value, 2020–2024
Value	ZIP 78645	Travis County	Texas	United States
Less than $50,000	2.1% (±1.4 points)	2.4%	6.0%	5.3%
$50,000 to $99,999	3.2% (±1.9 points)	1.7%	7.3%	6.1%
$100,000 to $149,999	3.7% (±2.4 points)	1.4%	7.7%	6.8%
$150,000 to $199,999	1.9% (±1.1 points)	1.6%	10.2%	9.0%
$200,000 to $299,999	12.5% (±3.2 points)	8.4%	22.1%	17.8%
$300,000 to $499,999	40.7% (±5.2 points)	32.4%	28.0%	26.9%
$500,000 to $999,999	26.8% (±3.9 points)	37.1%	14.9%	20.9%
$1,000,000 or more	9.1% (±1.9 points)	15.1%	3.7%	7.1%

Value is the owner’s own estimate of what the home and lot would sell for, not a sale price or an assessment.

The homes in ZIP code 78645

Housing units by units in structure, 2020–2024
Building type	ZIP 78645	Travis County	Texas	United States
Single-family, detached	81.8% (±4.7 points)	51.5%	64.4%	61.3%
Single-family, attached (townhouse, rowhouse)	3.9% (±1.9 points)	4.4%	2.9%	6.2%
2 units	1.6% (±1.2 points)	2.2%	1.9%	3.4%
3 or 4 units	2.6% (±2.6 points)	3.5%	3.4%	4.3%
5 to 9 units	2.1% (±1.2 points)	5.0%	4.4%	4.5%
10 to 19 units	0.8% (±0.8 points)	9.1%	5.5%	4.3%
20 or more units	2.0% (±1.2 points)	21.3%	10.9%	10.3%
Mobile home	5.0% (±2.0 points)	2.8%	6.4%	5.6%
Boat, RV, van, etc.	0.2% (±0.3 points)	0.1%	0.3%	0.1%

When the homes in ZIP code 78645 were built

Housing units by year structure built, 2020–2024
Year built	ZIP 78645	Travis County	Texas	United States
2020 or later	8.3% (±3.1 points)	5.6%	4.0%	2.0%
2010 to 2019	23.7% (±3.8 points)	23.5%	17.4%	9.4%
2000 to 2009	28.3% (±5.0 points)	18.9%	17.9%	13.6%
1990 to 1999	12.5% (±2.8 points)	12.8%	12.8%	12.4%
1980 to 1989	12.5% (±3.2 points)	15.1%	14.7%	12.9%
1970 to 1979	10.7% (±3.2 points)	11.4%	13.1%	14.2%
1960 to 1969	1.6% (±0.7 points)	5.9%	7.7%	9.9%
1950 to 1959	1.5% (±0.9 points)	3.4%	6.6%	9.5%
1940 to 1949	0.7% (±0.7 points)	1.5%	2.7%	4.4%
1939 or earlier	0.2% (±0.3 points)	1.9%	3.1%	11.7%

14.7% of the homes in ZIP code 78645 were built before 1980, so many fall under the federal lead-paint disclosure rules for homes built before 1978.

Heating fuel in ZIP code 78645

Occupied housing units by house heating fuel, 2020–2024
Fuel used most	ZIP 78645	Travis County	Texas	United States
Utility gas	7.4% (±2.1 points)	39.2%	34.5%	46.5%
Fuel oil, kerosene, etc.	0.0% (±0.7 points)	0.1%	0.1%	3.9%
Electricity	77.4% (±3.5 points)	56.8%	61.2%	41.3%
Bottled or tank gas (propane)	14.0% (±2.7 points)	2.8%	2.9%	4.9%
Wood	0.5% (±0.7 points)	0.1%	0.2%	1.4%
Solar energy	0.3% (±0.4 points)	0.3%	0.3%	0.3%
Coal or coke	0.0% (±0.7 points)	0.0%	0.0%	0.1%
Other fuel	0.2% (±0.3 points)	0.2%	0.2%	0.5%
No fuel used	0.4% (±0.4 points)	0.5%	0.6%	1.2%

How people in ZIP code 78645 get to work

Workers 16 and over by means of transportation to work, 2020–2024
Means of transportation	ZIP 78645	Travis County	Texas	United States
Drove alone	62.8% (±4.7 points)	57.0%	71.4%	68.8%
Carpooled	5.6% (±1.9 points)	6.9%	10.0%	8.5%
Public transportation	0.0% (±0.7 points)	1.6%	0.9%	3.2%
Walked	0.9% (±1.4 points)	2.2%	1.5%	2.4%
Other means (bicycle, taxi, motorcycle)	2.0% (±1.2 points)	2.1%	1.8%	2.0%
Worked from home	28.8% (±4.1 points)	30.2%	14.4%	15.1%

Workers who live in ZIP code 78645 take an average of 35.4 minutes to get to work.

Places in ZIP code 78645

Places whose land overlaps this ZIP code, with the share of the ZIP’s land in each
Place	Share of the ZIP’s land in this place	Median gross rent	Households that rent
Lago Vista	44%	$1,436	10.4%
Jonestown	16%	$2,515	6.4%

A township or a New York town includes the villages inside it, so their shares can add up to more than the whole.

ZIP codes near 78645

Nearest ZIP codes with Census figures, by straight-line distance between their internal points
ZIP code	Distance	Median gross rent	Median home value	Median household income	Households that rent
78734	5.0 mi	$1,851	$677,300	$130,784	16.5%
78732	6.8 mi	$1,949	$853,900	$192,500	27.1%
78726	8.0 mi	$1,738	$698,100	$90,885	60.1%
78641	8.2 mi	$1,943	$480,400	$135,024	22.8%
78669	9.0 mi	$2,306	$671,000	$128,000	7.9%
78730	9.9 mi	$1,860	$1,014,700	$158,673	34.1%
78613	9.9 mi	$1,815	$496,200	$125,487	36.1%
78738	9.9 mi	$1,983	$916,300	$183,048	24.7%

Crime reported to police in Lago Vista

Most of ZIP code 78645 is policed by the Lago Vista Police Department, which reported 133 violent and 399 property crimes per 100,000 residents to the FBI in 2025.

The FBI publishes crime by police department, not by ZIP code, so this is the department’s figure for the whole area it serves.

Crime reported to police in Lago Vista

ZIP code 78645 is reported as ZIP Code Tabulation Area 78645: the Census Bureau’s area built from census blocks to match the ZIP code’s delivery area as closely as it can.

Survey years: 2020–2024 (American Community Survey 5-year estimates).

Margins of error are at the 90% confidence level.

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Questions about ZIP 78645

What is the median rent in ZIP code 78645?

The median gross rent in ZIP Code Tabulation Area 78645 is $1,608 (±$579) a month (2020–2024 American Community Survey).

What is the median home value in ZIP code 78645?

The median value of owner-occupied homes in ZIP code 78645 is $434,600 (±$18,800) (2020–2024 American Community Survey).

What is the median household income in ZIP code 78645?

The median household income in ZIP code 78645 is $113,008 (±$13,091) a year (2020–2024 American Community Survey).

What town is ZIP code 78645 in?

Most of ZIP code 78645’s land lies in Lago Vista; it also covers Jonestown.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) for ZCTA5 78645 (zip code tabulation area:78645).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The API needs a free key.

Request a Census API key.

DP05_0001E, DP05_0001M, DP04_0134E, DP04_0134M, DP04_0089E, DP04_0089M, DP03_0062E, DP03_0062M, DP04_0047PE, DP04_0047PM

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.