78654 ZIP Code — Marble Falls, TX

Burnet County, Texas

ZIP code 78654 is located in Marble Falls, Texas, within Burnet County. It covers approximately 201.33 square miles and serves a population of 19,379 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 830.

About ZIP code 78654

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $294,800. Owner-occupancy sits near the national average at 71%.

The gap between median ($65,503) and mean household income suggests income inequality — a small number of higher earners pull the average up. 41% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is near the national average, with 35% of residents holding a bachelor's degree or higher.

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

19,379

population

201.33

sq mi land

Standard

ZIP type

Central (CT)

timezone

78654 ZIP code map

Cities in ZIP code 78654

Below are the cities the US Postal Service accepts for ZIP code 78654. Using any city not on this list may result in mail delivery delays.

City	Status
Marble Falls	Acceptable
Marble Falls	Acceptable
Marble Falls	Preferred

Nearby ZIP codes

78657 Horseshoe Bay (10.3 mi) 78669 Spicewood (10.8 mi) 78663 Round Mountain (13.4 mi) 78605 Bertram (14.7 mi) 78639 Kingsland (15.5 mi) 78645 Leander (16.4 mi) 78611 Burnet (16.8 mi) 78641 Leander (17.4 mi) 78641 Leander (17.4 mi) 78642 Liberty Hill (18.6 mi) 78734 Austin (19.5 mi)

Demographics updated 05/2026

Population
Total population	19,379
Population density	96 / sq mi
State FIPS	48
County FIPS	053

Geography
Land area	201.33 sq mi
Water area	10.08 sq mi
Latitude	30.5676
Longitude	-98.2040
Timezone	Central (CT)
Area code	830

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	39.3%	39.5%
$50k – $100k	34.7%	35.3%	30.1%
$100k – $200k	18.9%	19.7%	22.6%
Over $200k	4.6%	5.7%	7.8%

Demographics & statistics

19,379

Population

People per sq mi

42.1

Median age

$65,503

Median household income

$40,342

Per capita income

$294,800

Median home value

$1,278

Median monthly rent

70.6%

Home ownership

8.4%

Poverty rate

5.0%

Unemployment

7,319

Housing units

34.8%

Bachelor's or higher

Age distribution

Male Female

350

Under 5

358

538

5–9

550

791

10–14

810

654

15–19

669

608

20–24

622

811

25–34

831

1,189

35–44

1,218

863

45–54

884

632

55–59

646

889

60–64

909

1,290

65–74

1,321

685

75–84

701

277

85+

283

← Male

Female →

Age summary

Group	Count	%
Under 18	4,407	22.7%
18 and over	14,972	77.3%
65 and over	4,557	23.5%
Median age	42.1 years

Race & ethnicity

White 70.5%

Hispanic or Latino 13%

Two or more races 8%

Other race 6.5%

Black or African American 1.2%

American Indian / Alaska Native 0.5%

Native Hawaiian / Pacific Islander 0.2%

Group	Count	%
White	15,716	70.5%
Hispanic or Latino	2,906	13%
Two or more races	1,791	8%
Other race	1,448	6.5%
Black or African American	269	1.2%
American Indian / Alaska Native	113	0.5%
Native Hawaiian / Pacific Islander	39	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	39.3%	39.5%
$50k – $100k	34.7%	35.3%	30.1%
$100k – $200k	18.9%	19.7%	22.6%
Over $200k	4.6%	5.7%	7.8%

Under $10k 3.0%

$10k–$15k 1.3%

$15k–$25k 8.4%

$25k–$35k 6.3%

$35k–$50k 16.0%

$50k–$75k 20.0%

$75k–$100k 12.1%

$100k–$150k 15.2%

$150k–$200k 8.8%

$200k+ 8.9%

Range	% of households
Under $10k	3.0%
$10k–$15k	1.3%
$15k–$25k	8.4%
$25k–$35k	6.3%
$35k–$50k	16.0%
$50k–$75k	20.0%
$75k–$100k	12.1%
$100k–$150k	15.2%
$150k–$200k	8.8%
$200k+	8.9%
Median income	$65,503

Housing

Home values

Under $50k 5.8%

$50k–$100k 6.0%

$100k–$150k 9.2%

$150k–$200k 8.8%

$200k–$300k 21.1%

$300k–$500k 23.7%

$500k–$1M 17.7%

$1M+ 7.7%

Housing overview

Metric	Value
Median home value	$294,800
Median rent / month	$1,278
Owner occupied	70.6%
Renter occupied	29.4%
Vacant	22.5%
Single-family detached	72.5%
Large apartment buildings	2.4%
Mobile homes	10.7%
Median rooms	5.4
Avg household size (owned)	2.61

Year built

Era	%
2020 or later	0.1%
2010–2019	13.6%
2000–2009	27.6%
1990–1999	15.8%
1980–1989	13.8%
1970–1979	16.4%
1960–1969	8.4%
1950–1959	2.0%
1940–1949	1.2%
1939 or earlier	1.0%

Bedrooms

Size	% of units
No bedroom (studio)	2.9%
1 bedroom	6.5%
2 bedrooms	20.3%
3 bedrooms	55.7%
4 bedrooms	11.6%
5+ bedrooms	3.0%

Vehicles per household

Vehicles	% of households
No vehicle	3.0%
1 vehicle	29.7%
2 vehicles	41.8%
3 or more	25.4%

Heating fuel

Fuel type	%
Utility gas	6.5%
Electricity	88.1%
Propane / LP gas	4.6%
Wood	0.7%
Solar	0.1%

Households & families

Household type	Count	%
Married-couple family	4,079	55.5%
Cohabiting couple	358	4.9%
Male householder, no spouse	1,032	14.1%
Female householder, no spouse	1,875	25.5%
Households with children under 18	2,328	31.7%
Households with seniors (65+)	3,081	42.0%
Average household size	2.63

Marital status

Status	Male	Female
Never married	27.3%	19.6%
Married	58.5%	53.8%
Separated	0.5%	2.3%
Widowed	2.9%	13.6%
Divorced	10.8%	10.6%

Education

Less than 9th grade 5.7%

Some HS, no diploma 6.5%

HS graduate 24.3%

Some college, no degree 21.6%

Associate's degree 7.0%

Bachelor's degree 23.5%

Graduate / professional 11.3%

Metric	%
HS diploma or higher	87.8%
Bachelor's or higher	34.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	233	4.8%
Kindergarten	115	2.4%
Elementary school	2,276	46.9%
High school	1,416	29.2%
College / grad school	816	16.8%

Employment

Industry of employment

Retail trade 19.9%

Education & healthcare 16.0%

Construction 14.2%

Arts, food & hospitality 13.4%

Professional & management 8.8%

Transportation & utilities 6.0%

Other services 5.5%

Manufacturing 4.8%

Finance & real estate 4.2%

Public administration 2.9%

Information 1.8%

Wholesale trade 1.6%

Agriculture & mining 0.9%

Occupation

Category	%
Management, business & arts	38.0%
Service	16.9%
Sales & office	20.6%
Natural resources & construction	14.6%
Production & transportation	9.9%

Employment type

Type	%
Private sector	78.5%
Government	10.5%
Self-employed	10.1%
Unpaid family workers	1.0%

Commute

Method	%
Drive alone	69.7%
Carpool	16.7%
Public transit	0.3%
Walk	0.2%
Work from home	12.0%
Other means	1.1%
Avg commute (minutes)	23.4

Poverty

All people 8.4%

Under 18 years 7.5%

18 and over 8.7%

Married-couple families 4.3%

Female-led households 15.9%

Income support

Source	% of households
Social Security	40.5%
Retirement income	29.4%
Supplemental Security	4.2%
Cash public assistance	1.4%
Food stamps / SNAP	6.3%

Health indicators

Condition	%
Obesity	34.3%
High blood pressure	37.7%
High cholesterol	37.6%
Diabetes	12.7%
Heart disease	8.0%
Stroke	3.6%
Asthma	9.0%
Arthritis	27.0%
Kidney disease	3.4%
Pulmonary disease	8.1%
Cancer	7.7%

Behavior / access	%
Smoking	17.7%
Binge drinking	17.1%
No physical activity	26.6%
Less than 7 hrs sleep	34.0%
Depression	22.2%
Fair or poor health	18.0%
Poor mental health	14.6%
Poor physical health	12.3%
No health insurance	25.6%
Visited doctor (checkup)	71.7%
Visited dentist	54.5%
Cholesterol screening	90.2%
Teeth loss	14.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,336	8.9%

Disability	%
Any disability	16.5%
Under 18	3.5%
18–64 years	15.8%
65 and over	30.9%

Health insurance coverage

Type	%
Private insurance	61.5%
Public insurance	38.4%
No insurance	16.7%
Uninsured under 19	7.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	18,671	96.3%
Spanish	1,312	7.0%
Other Indo-European	1,312	7.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	17,854	92.1%
Born in same state	17,715	91.4%
Born in different state	11,539	59.5%
Foreign born	139	0.7%
Naturalized citizen	1,525	7.9%
Not a US citizen	756	49.6%

Ancestry

Ancestry	Count	%
French	2,521	13%
Italian	2,174	11.2%
Arab	969	5%

Ancestry	Count	%
Polish	203	1%
English	112	0.6%
Irish	11	0.1%

Technology access

Metric	% of households
Computer access	37.9%
Internet access	95.0%

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

Frequently asked questions about ZIP code 78654

What city is ZIP code 78654 in?

ZIP code 78654 is primarily assigned to Marble Falls, Texas.

What county is ZIP code 78654 in?

ZIP code 78654 falls within Burnet County, Texas.

Does ZIP code 78654 have a large retiree population?

41% of households in ZIP code 78654 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 78654?

ZIP code 78654 has an estimated population of 19,379 residents, with a density of 96 people per square mile.

What is the typical home value in ZIP code 78654?

The median home value in ZIP code 78654 is $294,800.

What is the median household income in ZIP code 78654?

The median household income in ZIP code 78654 is $65,503, below the national median of ~$75,000.

What timezone is ZIP code 78654 in?

ZIP code 78654 observes the CST timezone.