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Learn about the people, housing, costs and businesses in 78944
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 78944.
True all-in cost — P&I, taxes, insurance & utilities for homes in 78944.
Find and compare lenders active near 78944.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for 78944.
Seismic risk and earthquake insurance estimates for 78944.
Wildfire exposure and insurance estimates for 78944.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 78944 is approximately 6.824% (6.857% 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 78944The median home value in ZIP code 78944 is $431k. The median monthly rent is $1,281. Annual property taxes average $4k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 78944 have increased 25.2% 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 $1,096/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $47k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 78944 is $106k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 78944 are wholesale trade (21%) and public administration (19%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.