Georgetown, Texas.
Typical home $419,666 (-3.9% in a year), asking rent $1,596 (+3.4%). Austin-Round Rock-Georgetown, TX metro.
to buy the typical home at today's mortgage rate — +$1,008 (+84%) since Jan 2020.
- 1 year
- Down $16,866 -4%
- $436,531$419,666 since Sep 2025
- 5 years
- Down $37,833 -8%
- $457,498$419,666 since Sep 2021
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.
- Georgetown$2,203
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Georgetown, TX fell 3.9% over the past year — slower than the nation's +1.2%.
Asking rents in Georgetown, TX rose 3.4% over the past year — faster than the nation's +2.7%.
Owning the typical home in Georgetown runs $1,620/mo more than renting one. The gap peaked at $2,261 in Oct 2022.
That is $3,216 a month against $1,596 rent: a $2,203 mortgage payment, plus $564 property tax and $449 insurance & upkeep.
Owning vs renting — Georgetown
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$3,216
- Renting$1,596
- Mortgage only$2,203
Property tax · $564/mo 1.61% of value a year — the ACS 2020-2024 median bill over the median home value for Williamson County, TX
Insurance & upkeep · $449/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Georgetown, Williamson County, Texas
Georgetown is a city of 67,176 people in Williamson County. Half its households earn more than $95,062 a year and half less, against $111,340 across Williamson County; 8% of its people live below the poverty line. 70% of its homes are lived in by their owners and 30% are rented. Unemployment in Georgetown was 4.7% in August 2026, and Williamson County had 2.6% more jobs in 2025 than the year before. The most residents work in schools and health care, then professional services.
Written by AI Claude Sonnet 5.5 wrote this on 23 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. Georgetown is a city in Williamson County, Texas, with a median age on the older side and most homes lived in by their owners. Incomes run below the county's, though poverty is low, and a good share of adults hold a four-year degree. Winters are mild and summers are hot, with little or no snow and a fair amount of rain through the year.
Work. Residents work mainly in schools, hospitals and social care, followed by professional and business services, shops, and restaurants, hotels and entertainment. Among the biggest workplaces in Georgetown are Georgetown ISD, St. David's Georgetown Hospital and H-E-B. The job market in the county has grown a little over the past year, and a fair number of residents work from home.
Things to do. Lake Georgetown, a reservoir, and Blue Hole Park both lie in or beside town, which makes them easy places to spend an afternoon outdoors. Inner Space Cavern, a tourist attraction, is a short drive away. For a bigger outing, the Lyndon Baines Johnson Library and Museum is a longer drive.
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- 35,400households
- 48%of adults have a degree
- 8%below the poverty line
- 28 mintypical commute
- 24%work from home
What residents work in
Employed residents by industry, from the Census survey. Williamson County had 238,420 jobs in 2025, 2.6% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 60° and lows near 36°; warmest in August, with highs near 97° and lows near 72°. About 37 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Georgetown Lake weather station, a mile away (NOAA).
Largest workplaces in Georgetown
- Georgetown ISDSchool district1,949FTE
- St. David's Georgetown HospitalHospitals, general medical and surgical652
- H-E-BRetail543
- AirbornConnectors, electronic, manufacturing515
- Southwestern UniversityUniversity or college458
- WalmartWarehouse clubs and supercenters353
- H-E-BRetail335
- Chatsworth Products Company, GeorgetownSheet metal work manufacturing243
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 38 workplaces with 20 or more staff, 4,574 people in all. School districts come from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); 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
- HailRelatively high
- Winter weatherRelatively high
- Cold wavesrelatively high in parts of GeorgetownRelatively moderate
- Tornadoesrelatively high in parts of GeorgetownRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Georgetown’s census tracts, 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 Williamson County and the Austin-Round Rock-Georgetown, TX metro.
Georgetown home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Georgetown$419,666
- Texas$296,424
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 3 Georgetown listings, and the typical home goes pending in 56 days — the market is roughly in balance.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Georgetown31.73%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Georgetown56
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Georgetown1,175
New listings per month
Sellers arriving at the market.
- Georgetown229
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Georgetown$425,656
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Georgetown97.69%
Zip codes with a Georgetown address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Georgetown — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Georgetown
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 78628 | Georgetown | 50,822 | $1,680 | $469,036 |
| 78626 | Georgetown | 48,072 | $1,579 | $343,562 |
| 78633 | Georgetown | 29,309 | $1,684 | $435,929 |