Bluffton, Texas.
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to buy the typical home at today's mortgage rate — +$751 (+93%) since Jan 2020.
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Texas$1,556
- United States$1,922
Living in Bluffton, Llano County, Texas
The Census does not count Bluffton on its own, so the figures here are Llano County's. Half the county's households earn more than $67,530 a year and half less; 12% of the county's people live below the poverty line. 76% of the county's homes are lived in by their owners and 24% are rented. Unemployment in Llano County was 4.4% in August 2026, and the county had 1.1% more jobs in 2025 than the year before. The most people in Llano County work in professional services, then schools and health care.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Bluffton sits in Llano County, where most homes are lived in by their owners and the population is notably older than in most of the country. Winters are mild and milder than much of the country, with little or no snow, while summers run hotter than most of the country. Rain and melted snow add up to a fair amount over the year, so the land is green enough to support lakes and wooded hills.
Work. Residents work in professional and business services, in schools, hospitals and social care, in retail shops, and in the building trades. Unemployment has eased compared with a year earlier, and jobs have grown over the latest year on record. A noticeable share of households live below the poverty line, and a modest number of residents work from home.
Things to do. Lake Buchanan and Inks Lake are both reservoirs a short drive away, and Inks Lake State Park, also close by, is a protected area. Enchanted Rock State Natural Area, a protected area a longer drive off, is another option for a day outing. Each of these suits a visitor who likes open water or rocky hill country.
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- 10,765households
- 57.4median age
- 32%of adults have a degree
- 12%below the poverty line
- 27 mintypical commute
- 15%work from home
What people in Llano County work in
Employed residents by industry, from the Census survey. Llano County had 5,721 jobs in 2025, 1.1% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 62° and lows near 34°; warmest in August, with highs near 97° and lows near 72°. About 28 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Llano weather station, 11 miles away (NOAA).
Largest workplaces in Llano County
- Llano ISDSchool district315FTE
- SLP OperationsSkilled nursing facilities110
- Buttery CompanyHardware merchant wholesalers105
- H-E-BRetail83
- MID Coast Medical Center-centralCritical access hospital39FTE
- Central Texas Electric Co-opDistribution of electric power27
- Liberty Hill HSElectrical contractors and other wiring installation contractors27
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 5 workplaces with 20 or more staff, 352 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and hospitals from their Medicare cost reports (CMS, 2023); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Inland floodingRelatively moderate
- HailRelatively moderate
- Winter weatherRelatively moderate
- LightningRelatively moderate
- DroughtRelatively moderate
- TornadoesRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Llano County, against the rest of the country; all of them together, relatively low. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Llano County.
Bluffton home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
Not enough data to draw this yet.
Market heat, inside the city limits
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Bluffton7
Zip codes with a Bluffton address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Bluffton — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zillow publishes no zip-level series with this city on the address.