ZIP Code 78735

As of today, the 30-year fixed mortgage rate for ZIP code 78735 is approximately 6.604% (6.632% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.

The median home value in ZIP code 78735 is $968k. The median monthly rent is $2,092. Annual property taxes average $10k. Home values are based on U.S. Census Bureau American Community Survey estimates.

Home values in ZIP code 78735 have increased 36.1% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.

Based on a typical all-in ownership cost of $2,574/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $110k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 78735 is $150k/year.

The largest employment sectors in ZIP code 78735 are healthcare (29%) and arts, food, and hospitality (24%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.