ZIP Code Tabulation Area
ZIP area 78610, Texas: rent, home value and fair market rent
ZCTA 78610 is the U.S. Census Bureau's statistical area for ZIP code 78610, mainly in Hays County (by area), Texas. It has about 17,640 occupied homes, 21.2% of them renter-occupied (Census ACS 2020-2024).
Census American Community Survey
Key figures for ZIP area 78610
Census ACS five-year estimates for ZCTA 78610, 2020–2024.
- Median gross rent
- $1,870 per monthRenter homes paying cash rent; rent plus utilities · Census table B25064
- Median home value
- $408,000Owner-occupied homes; the owner's estimate · Census table B25077
- Median household income
- $119,700 per yearAll households; 2024 dollars · Census table B19013
- Renter-occupied homes
- 21.2% of occupied homesCensus table B25003
- Occupied homes
- About 17,640Rounded to tens · Census table B25003
- Rental vacancy rate
- 0.4%Vacant for rent, share of the rental inventory · Census table B25004
HUD Small Area Fair Market Rents
HUD fair market rents for ZIP 78610, fiscal year 2027
Fiscal year starting October 1, 2026. HUD's ZIP-level estimates at the 40th percentile of recent movers' gross rents, used to set Housing Choice Voucher payment standards in HUD-designated areas or where a housing agency opts in: a program benchmark, not the typical rent.
| Home size | Fair market rent per month |
|---|---|
| Studio (no bedroom) | $1,510 |
| 1 bedroom | $1,590 |
| 2 bedrooms | $1,890 |
| 3 bedrooms | $2,380 |
| 4 bedrooms | $2,800 |
FHFA House Price Index (developmental)
House price trend in ZIP 78610: FHFA index for 2025
From repeat sales and refinancings of single-family homes; it can be revised. Data as of March 31, 2026.
- Annual change, 2025
- −3.6%FHFA HPI, five-digit ZIP codes (developmental)
- Change over five years, 2020–2025
- +39.7%
Derived, not official statistics
MyInversorAI indicators for ZIP 78610 (derived, not official statistics)
Calculated from the medians above, which describe different groups; no margin of error is computed for them.
- Estimated gross annual yield
- 5.5%MyInversorAI estimate: 12 × median rent ÷ median value.
- Price-to-income ratio
- 3.4MyInversorAI estimate: median value ÷ median income.
- Rent-to-income ratio
- 18.7%MyInversorAI estimate: 12 × median rent ÷ median income.At or below HUD's 30% cost-burden line.
They describe the area, not a home, and promise no return.
ZIP area and state
ZIP 78610 compared with Texas
Difference calculated by MyInversorAI.
| Median | ZIP 78610 | Texas | Difference |
|---|---|---|---|
| Gross rent (per month) | $1,870 | $1,403 | +33% |
| Home value | $408,000 | $283,800 | +44% |
| Household income (per year) | $119,700 | $78,476 | +53% |
Within the state
Where ZIP 78610 ranks in Texas
Among the ZIP areas of Texas with a published value; ranked by MyInversorAI.
- Median gross rent: tied with 4 others for 116th highest of 1,367 ZIP areas, above 91% of the others.
- Median home value: tied with 1 other for 191st highest of 1,451 ZIP areas, above 86% of the others.
- Median household income: tied with 1 other for 114th highest of 1,483 ZIP areas, above 92% of the others.
- Rental vacancy rate: 4th lowest of 997 ZIP areas, below 99% of the others.
Same main county
ZIP areas of Hays County with the closest median rent
Main county by area (Census 2020 ZCTA to County Relationship File).
| ZIP area | Median gross rent | Rent vs ZIP 78610 | Median home value | Value vs ZIP 78610 | Gross yield (MyInversorAI estimate) |
|---|---|---|---|---|---|
| ZIP 78737 | $2,130 | +$260 | $765,000 | +$357,000 | 3.3% |
| ZIP 78620 | $1,970 | +$100 | $677,000 | +$269,000 | 3.5% |
| ZIP 78640 | $1,730 | −$140 | $330,000 | −$78,000 | 6.3% |
| ZIP 78676 | $1,590 | −$280 | $512,000 | +$104,000 | 3.7% |
| ZIP 78666 | $1,320 | −$550 | $307,000 | −$101,000 | 5.2% |
Quotable facts
Key facts about ZIP 78610
- In ZIP Code Tabulation Area 78610, the median gross rent was $1,870 a month and the median home value $408,000 in the Census ACS 2020-2024.
- Its median household income was $119,700 a year, and most of its roughly 17,640 occupied homes were owner-occupied, with renters in 21.2%.
- Its median gross rent is 33% higher than the Texas median ($1,403).
- Its median home value is 44% higher than the Texas median ($283,800).
- HUD's two-bedroom fair market rent in ZIP 78610 (fiscal year 2027) is $1,890 a month, within 5% of the ACS median gross rent ($1,870).
- FHFA's developmental index for ZIP 78610 fell 3.6% in 2025 but rose 39.7% over five years.
- Its ACS rental vacancy rate was 0.4%, lower than in 99% of the other 996 Texas ZIP areas with a published rate.
- Its median household income is tied with 1 other for the 114th highest of the 1,483 Texas ZIP areas with a published figure.
Sources and method
Where the figures come from
- Source: U.S. Census Bureau, American Community Survey 5-year estimates. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
- Source: U.S. Department of Housing and Urban Development, Small Area Fair Market Rents. This product uses the HUD User Data API but is not endorsed or certified by HUD User.
- Source: Federal Housing Finance Agency, House Price Index (five-digit ZIP codes, developmental).
- Source: U.S. Census Bureau, 2020 ZCTA to County Relationship File.
Rounded: ZIP-level ACS rents to $10, values to $1,000 and incomes to $100; state medians as published. No private listing data, forecasts or scores.
Caveats
Before you use these figures
A ZIP Code Tabulation Area does not always cover the same homes as the USPS ZIP code. Census medians with a coefficient of variation above 30%, or top- or bottom-coded, are not shown. Fair market rents are a HUD benchmark, not the typical rent. The main county holds the largest part of the area, not necessarily most residents.
ZIP Finder
Explore ZIP 78610 in the ZIP Finder
Search active for-sale listings in ZIP 78610 and analyze the ones you want with your own numbers. Free account, with a daily search limit.
Run your numbers
Analyze a rental property in ZIP 78610
Free calculators with your own figures.
Educational information
Not financial, tax or legal advice
These pages summarize published statistics for education. They are not a forecast, an appraisal, or financial, tax, lending or legal advice, and they do not promise any return. Estimates have margins of error and can be revised by their publishers. Verify the figures that matter to your decision.