Lockhart, Texas.
Typical home $270,016 (-5.4% in a year), asking rent $1,712 . Austin-Round Rock-Georgetown, TX metro.
to buy the typical home at today's mortgage rate — +$678 (+92%) since Jan 2020.
- 1 year
- Down $15,305 -5%
- $285,321$270,016 since Sep 2025
- 5 years
- Down $3,672 -1%
- $273,689$270,016 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.
- Lockhart$1,417
- Texas$1,556
- United States$1,922
At the last five years' pace, prices here aren't rising.
Typical home values in Lockhart, TX fell 5.4% over the past year — slower than the nation's +1.2%.
Living in Lockhart, Caldwell County, Texas
Lockhart is a city of 14,379 people in Caldwell County. Half its households earn more than $68,400 a year and half less, against $69,758 across Caldwell County; 13% of its people live below the poverty line. 67% of its homes are lived in by their owners and 33% are rented. Unemployment in Caldwell County was 4.1% in August 2026, and the county had 7.5% more jobs in 2025 than the year before. The most residents work in schools and health care, then construction.
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 It can be wrong or out of date.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. Lockhart is a small city in Caldwell County, home to more people than a typical small town but far from a big-city crowd. Most homes are lived in by their owners, and household incomes run a little below the county's. Winters are mild and rarely bring snow, summers are very hot, and the rainfall is moderate through the year.
Work. Residents work mostly in schools, hospitals and social care, the building trades, shops, and restaurants, hotels and entertainment. Among the largest workplaces in town are Lockhart ISD, H-E-B and Pure Castings Co. Commutes are on the long side, and a small share of people work from home.
Things to do. Lockhart State Park is a protected area in or beside town. Plum Creek, a river, is a short drive away. Farther afield, a longer drive reaches Circuit of the Americas, a race track, and the Lyndon Baines Johnson Library and Museum.
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- 5,437households
- 21%of adults have a degree
- 13%below the poverty line
- 29 mintypical commute
- 10%work from home
What residents work in
Employed residents by industry, from the Census survey. Caldwell County had 11,130 jobs in 2025, 7.5% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 64° and lows near 40°; warmest in August, with highs near 98° and lows near 73°. About 35 inches of rain a year, and little or no snow.
Average daily high and low, 1991–2020, at the Luling weather station, 14 miles away (NOAA).
Largest workplaces in Lockhart
- Lockhart ISDSchool district789FTE
- H-E-BRetail261
- Lockhart I Enterprises, LLC dbaSkilled nursing facilities97
- Student Transportation of America48541069
- Pure Castings CoSteel investment foundries57
- DBA: Chisolm Trail Nursing and Rehab Cent4erHomes for the elderly with nursing care47
- WellaSeeds, snack manufacturing30
- 120_LockhartBuilding materials supply dealers29
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 8 workplaces with 20 or more staff, 619 people in all. School districts come from the Common Core of Data (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
- TornadoesVery high
- Strong windRelatively high
- HailRelatively high
- LightningRelatively high
- Winter weatherRelatively high
- DroughtRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Lockhart’s census tracts, against the rest of the country; all of them together, relatively moderate. 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 Caldwell County and the Austin-Round Rock-Georgetown, TX metro.
Lockhart home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Lockhart$270,016
- Texas$296,424
- United States$366,157
Sellers are cutting prices on about 1 in 4 Lockhart listings — the market is cooling.
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.
- Lockhart25.34%
- United States26.90%
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Lockhart140
New listings per month
Sellers arriving at the market.
- Lockhart18
Zip codes with a Lockhart address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Lockhart — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.