78657 ZIP Code — Horseshoe Bay, TX

Llano County, Texas

ZIP code 78657 is located in Horseshoe Bay, Texas, within Llano County. It covers approximately 38.77 square miles and serves a population of 6,958 residents. This is a po box ZIP code in the Central (CT) timezone, served by area code 830.

About ZIP code 78657

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $409,300. Owner-occupancy is high at 86%, well above the national average.

The gap between median ($81,518) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average. 52% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 32 minutes is near the national average.

Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.

17% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 78657 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

6,958

population

38.77

sq mi land

PO Box

ZIP type

Central (CT)

timezone

78657 ZIP code map

Cities in ZIP code 78657

Below are the cities the US Postal Service accepts for ZIP code 78657. Using any city not on this list may result in mail delivery delays.

City	Status
Horseshoe Bay	Acceptable
Horseshoe Bay	Acceptable
Horseshoe Bay	Preferred

Nearby ZIP codes

78663 Round Mountain (7.7 mi) 78639 Kingsland (8.8 mi) 78654 Marble Falls (10.3 mi) 78636 Johnson City (15.6 mi) 78609 Buchanan Dam (16.2 mi) 78669 Spicewood (16.9 mi) 78611 Burnet (19.1 mi)

Demographics updated 06/2026

Population
Total population	6,958
Population density	179 / sq mi
State FIPS	48
County FIPS	299

Geography
Land area	38.77 sq mi
Water area	3.66 sq mi
Latitude	30.5426
Longitude	-98.3742
Timezone	Central (CT)
Area code	830

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.0%	42.6%	39.5%
$50k – $100k	30.6%	28.8%	30.1%
$100k – $200k	25.2%	20.5%	22.6%
Over $200k	12.1%	8.1%	7.8%

Demographics & statistics

6,958

Population

179

People per sq mi

59.8

Median age

$81,518

Median household income

$60,660

Per capita income

$409,300

Median home value

$1,510

Median monthly rent

86.4%

Home ownership

4.9%

Poverty rate

2.9%

Unemployment

4,902

Housing units

42.2%

Bachelor's or higher

Age distribution

Male Female

161

Under 5

161

5–9

125

10–14

125

214

15–19

214

116

20–24

116

189

25–34

189

293

35–44

293

386

45–54

386

190

55–59

189

355

60–64

355

684

65–74

682

505

75–84

504

189

85+

189

← Male

Female →

Age summary

Group	Count	%
Under 18	984	14.1%
18 and over	5,974	85.9%
65 and over	2,753	39.6%
Median age	59.8 years

Race & ethnicity

White 73.9%

Hispanic or Latino 12.2%

Other race 7.4%

Two or more races 6%

Asian 0.4%

Black or African American 0.2%

Group	Count	%
White	5,850	73.9%
Hispanic or Latino	963	12.2%
Other race	587	7.4%
Two or more races	473	6%
Asian	35	0.4%
Black or African American	13	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	32.0%	42.6%	39.5%
$50k – $100k	30.6%	28.8%	30.1%
$100k – $200k	25.2%	20.5%	22.6%
Over $200k	12.1%	8.1%	7.8%

Under $10k 3.1%

$10k–$15k 1.9%

$15k–$25k 5.3%

$25k–$35k 3.7%

$35k–$50k 14.2%

$50k–$75k 18.9%

$75k–$100k 12.0%

$100k–$150k 16.5%

$150k–$200k 10.7%

$200k+ 13.7%

Range	% of households
Under $10k	3.1%
$10k–$15k	1.9%
$15k–$25k	5.3%
$25k–$35k	3.7%
$35k–$50k	14.2%
$50k–$75k	18.9%
$75k–$100k	12.0%
$100k–$150k	16.5%
$150k–$200k	10.7%
$200k+	13.7%
Median income	$81,518

Housing

Home values

Under $50k 2.1%

$50k–$100k 5.4%

$100k–$150k 7.1%

$150k–$200k 5.3%

$200k–$300k 16.5%

$300k–$500k 29.4%

$500k–$1M 20.9%

$1M+ 13.4%

Housing overview

Metric	Value
Median home value	$409,300
Median rent / month	$1,510
Owner occupied	86.4%
Renter occupied	13.6%
Vacant	41.9%
Single-family detached	67.5%
Large apartment buildings	2.0%
Mobile homes	6.7%
Median rooms	5.8
Avg household size (owned)	2.25

Year built

Era	%
2020 or later	0.9%
2010–2019	10.8%
2000–2009	20.4%
1990–1999	22.8%
1980–1989	26.7%
1970–1979	13.8%
1960–1969	3.4%
1950–1959	1.1%
1940–1949	0.0%
1939 or earlier	0.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	2.2%
2 bedrooms	20.8%
3 bedrooms	54.8%
4 bedrooms	17.5%
5+ bedrooms	4.0%

Vehicles per household

Vehicles	% of households
No vehicle	0.8%
1 vehicle	38.6%
2 vehicles	41.1%
3 or more	19.5%

Heating fuel

Fuel type	%
Utility gas	3.4%
Electricity	91.8%
Propane / LP gas	2.9%
Wood	0.3%
Solar	0.2%
No fuel used	1.4%

Households & families

Household type	Count	%
Married-couple family	1,776	57.5%
Cohabiting couple	71	2.3%
Male householder, no spouse	350	11.3%
Female householder, no spouse	893	28.9%
Households with children under 18	511	16.5%
Households with seniors (65+)	1,756	56.8%
Average household size	2.25

Marital status

Status	Male	Female
Never married	18.6%	19.2%
Married	66.8%	55.9%
Separated	0.0%	1.5%
Widowed	6.1%	6.7%
Divorced	8.4%	16.7%

Education

Less than 9th grade 3.2%

Some HS, no diploma 2.4%

HS graduate 20.8%

Some college, no degree 23.7%

Associate's degree 7.6%

Bachelor's degree 31.9%

Graduate / professional 10.3%

Metric	%
HS diploma or higher	94.4%
Bachelor's or higher	42.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	114	12.3%
Kindergarten	53	5.7%
Elementary school	289	31.1%
High school	329	35.5%
College / grad school	143	15.4%

Employment

Industry of employment

Professional & management 15.6%

Construction 12.4%

Education & healthcare 12.0%

Retail trade 11.7%

Arts, food & hospitality 10.1%

Agriculture & mining 9.3%

Finance & real estate 8.9%

Manufacturing 6.6%

Other services 5.1%

Transportation & utilities 4.9%

Public administration 1.8%

Wholesale trade 1.4%

Information 0.2%

Occupation

Category	%
Management, business & arts	34.2%
Service	18.0%
Sales & office	24.4%
Natural resources & construction	15.9%
Production & transportation	7.5%

Employment type

Type	%
Private sector	77.1%
Government	9.1%
Self-employed	13.3%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	71.9%
Carpool	11.5%
Public transit	0.0%
Walk	0.0%
Work from home	13.4%
Other means	3.1%
Avg commute (minutes)	31.9

Poverty

All people 4.9%

Under 18 years 0.1%

18 and over 5.7%

Married-couple families 3.3%

Female-led households 0.0%

Income support

Source	% of households
Social Security	52.1%
Retirement income	34.5%
Supplemental Security	2.1%
Cash public assistance	3.0%
Food stamps / SNAP	3.7%

Health indicators

Condition	%
Obesity	31.2%
High blood pressure	41.8%
High cholesterol	43.1%
Diabetes	12.4%
Heart disease	8.6%
Stroke	3.4%
Asthma	8.1%
Arthritis	29.6%
Kidney disease	3.4%
Pulmonary disease	7.1%
Cancer	10.1%

Behavior / access	%
Smoking	12.5%
Binge drinking	15.1%
No physical activity	20.5%
Less than 7 hrs sleep	29.1%
Depression	19.5%
Fair or poor health	13.7%
Poor mental health	11.6%
Poor physical health	10.3%
No health insurance	17.6%
Visited doctor (checkup)	76.3%
Visited dentist	65.7%
Cholesterol screening	94.2%
Teeth loss	8.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	785	13.1%

Disability	%
Any disability	13.3%
Under 18	1.1%
18–64 years	5.4%
65 and over	26.9%

Health insurance coverage

Type	%
Private insurance	63.3%
Public insurance	47.8%
No insurance	17.4%
Uninsured under 19	22.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,636	95.4%
Spanish	415	6.3%
Other Indo-European	415	6.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,135	88.2%
Born in same state	6,095	87.6%
Born in different state	3,760	54.0%
Foreign born	40	0.6%
Naturalized citizen	823	11.8%
Not a US citizen	201	24.4%

Ancestry

Ancestry	Count	%
French	1,181	17%
Italian	1,059	15.2%
Arab	411	5.9%
Polish	208	3%

Ancestry	Count	%
German	32	0.5%
English	22	0.3%
Irish	9	0.1%
Dutch	6	0.1%

Technology access

Metric	% of households
Computer access	44.4%
Internet access	99.7%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 78657

What city is ZIP code 78657 in?

ZIP code 78657 is primarily assigned to Horseshoe Bay, Texas.

What county is ZIP code 78657 in?

ZIP code 78657 falls within Llano County, Texas.

Does ZIP code 78657 have an older population?

40% of residents in ZIP code 78657 are 65 or older, above the national average of ~17%.

Does ZIP code 78657 have a large retiree population?

52% of households in ZIP code 78657 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 78657 mostly owner-occupied?

86% of occupied units in ZIP code 78657 are owner-occupied, well above the national average.

Does ZIP code 78657 have a large veteran population?

13% of civilians in ZIP code 78657 are veterans, above the national average of ~7%.

What timezone is ZIP code 78657 in?

ZIP code 78657 observes the CST timezone.