Zip lookup · TX

78745
Austin, Texas.

Austin, Travis County, TX · Austin-Round Rock-Georgetown, TX metro · population 61,219

What it costs per month · 78745 $2,128/mo

to buy the typical home at today's mortgage rate — +$911 (+75%) since Jan 2020.

What the home itself did
1 year
Down $19,104 -4%
$424,550$405,447 since Sep 2025
5 years
Down $79,701 -16%
$485,147$405,447 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.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 78745 $2,128 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • 78745$2,128
  • United States$1,922

At the last five years' pace, prices here aren't rising.

Typical home values in zip 78745 fell 4.5% over the past year — slower than the nation's +1.2%.

Asking rents in zip 78745 rose 0.4% over the past year — slower than the nation's +2.7%.

Owning the typical home in zip 78745 runs $1,565/mo more than renting one. The gap peaked at $2,340 in Oct 2022.

That is $3,061 a month against $1,497 rent: a $2,128 mortgage payment, plus $499 property tax and $434 insurance & upkeep.

Owning vs renting — zip 78745

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.

$1,000 $2,000 $3,000 $4,000 2018 2020 2022 2024 2026 Owning all in $3,061 Renting $1,497 Mortgage only $2,128
$1,000 $2,000 $3,000 $4,000 2018 2022 2026
  • Owning all in$3,061
  • Renting$1,497
  • Mortgage only$2,128

Property tax · $499/mo 1.48% of value a year — the ACS 2020-2024 median bill over the median home value for Travis County, TX

Insurance & upkeep · $434/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.

Zillow also publishes an index for the city itself: Austin, TX — measured over the city limits, which is a different area from this zip.

Asking rent $1,497 as of Sep 2026
+0.4%year on year
Typical home value $405,447 as of Sep 2026
-4.5%year on year

Asking rent — 78745

Against the Austin-Round Rock-Georgetown, TX metro and the national benchmark.

$1,200 $1,400 $1,600 $1,800 2018 2020 2022 2024 2026 78745 $1,497 Austin $1,603 United States $1,932
$1,200 $1,400 $1,600 $1,800 2018 2022 2026
  • 78745$1,497
  • Austin$1,603
  • United States$1,932

Typical home value — 78745

Mid-tier homes, smoothed and seasonally adjusted.

$200,000 $300,000 $400,000 $500,000 2018 2020 2022 2024 2026 78745 $405,447 Austin $414,273 United States $366,157
$200,000 $300,000 $400,000 $500,000 2018 2022 2026
  • 78745$405,447
  • Austin$414,273
  • United States$366,157

Within 20 miles

Showing 30 of 48 zips in range — sorting picks from all 48.

10 mi 20 mi 50 mi
Miles Zip City Population Rent Home value
3.1 78704 Austin 50,688 $1,920 $715,332
3.5 78748 Austin 55,631 $1,425 $395,441
3.6 78749 Austin 34,562 $1,608 $544,604
4.5 78744 Austin 50,986 $1,419 $318,886
5.3 78741 Austin 45,951 $1,367 $316,442
5.5 78701 Austin 11,824 $3,177 $650,693
5.8 78735 Austin 20,996 $1,667 $808,900
5.9 78739 Austin 20,659 $3,440 $785,231
6.3 78652 Manchaca 5,287 $2,499 $459,135
6.3 78746 Austin 28,256 $1,921 $1,711,433
6.3 78703 Austin 23,483 $2,392 $1,298,250
6.3 78702 Austin 25,985 $2,103 $543,785
6.6 78747 Austin 22,180 $1,640 $345,836
7.0 78705 Austin 33,238 $1,972 $319,751
7.6 78722 Austin 6,767 $1,726 $557,471
8.1 78721 Austin 10,997 $1,782 $406,132
8.4 78751 Austin 16,961 $1,749 $576,865
8.7 78756 Austin 9,197 $1,654 $691,556
8.7 78719 Austin 1,796 — $404,866
9.2 78610 Buda 48,319 $1,560 $358,454
9.3 78733 Austin 9,029 $2,983 $1,161,514
9.5 78736 Austin 9,651 $1,438 $581,128
9.5 78723 Austin 38,129 $1,900 $466,759
9.8 78737 Austin 27,023 $1,843 $765,976
9.8 78731 Austin 27,507 $1,594 $1,021,955
10.3 78752 Austin 23,317 $1,421 $361,150
10.7 78757 Austin 23,856 $1,848 $581,287
11.0 78730 Austin 9,142 $1,614 $1,099,634
11.5 78725 Austin 10,746 $2,002 $260,955
12.5 78617 Del Valle 30,756 $1,624 $277,720

Coordinates and population from SimpleMaps US Zips (Basic). Rent and home values from Zillow Research.