Local
Learn about the people, housing, costs and businesses in 78236
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 78236.
True all-in cost — P&I, taxes, insurance & utilities for homes in 78236.
Find and compare lenders active near 78236.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 78236 is approximately 6.946% (6.984% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 78236Home values in ZIP code 78236 have increased 3.3% over the past two years. This represents moderate growth. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $1,981/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $85k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 78236 is $64k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 78236 are public administration (15%) and healthcare (7%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.