The story of this market
The typical home in ZIP 78058 sells for about $499,000, or $265 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 112 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,450 a month.
ZIP 78058 — Mountain Home
The market in 78058 is characterized by low inventory and high-acreage listings, resulting in a slow sales pace and high months of supply. Prices have stabilized following significant appreciation in recent years, reflecting the niche demand for rural ranch properties in the Texas Hill Country.
This ZIP is best suited for buyers seeking large-acreage rural properties, retirement retreats, or recreational ranch land rather than traditional suburban commuters.
Median prices moved up 2.1% year over year.
Homes spend a median of 112 days on market with 18.0 months of supply — a slower-moving market.
12% of listings have cut prices · homes sell at 94.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.8% · poverty 11.2% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 12.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 12.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
ZCTA 78058
The area is subject to wildfire risks common to the Texas Hill Country and requires careful consideration of property insurance availability.
Growth is limited by the rural nature of the geography, with economic activity primarily tied to ranching, tourism, and regional services in nearby Kerrville.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Texas) — Senior (65+) and Disabled Homestead Exemption and School Tax Ceiling: Grants an additional mandatory $10,000 exemption from ISD appraised value (Taxable Value_ISD = Appraised Value - $100,000 - $10,000) and establishes an absolute statutory tax freeze (school tax ceiling): total ISD property taxes cannot exceed the dollar ceiling established in the… State (Texas) — General Residence Homestead Exemption and 10% Valuation Growth Cap: Imposes mandatory state-level valuation deductions and growth limitations on the qualifying homestead: (1) Mandates a $100,000 deduction from appraised value for independent school district (ISD) maintenance and operations/debt taxation: Taxable Value_ISD = Appraised Value - $100… State (Texas) — Ad Valorem Real Property Taxation and Assessment Ratio: Mandates ad valorem appraisal of all real property at 100% of fair market value as of January 1 each tax year (Assessment Ratio = 1.00).
Commutes are long and car-dependent, typically requiring travel via US Highway 83 to reach employment centers in Kerrville or Junction.
The area offers extensive outdoor recreation including hunting, hiking, and access to the North Llano River, though traditional suburban shopping and dining are limited.
The rental market is thin and primarily consists of single-family homes or ranch-style properties with low turnover and limited institutional presence.
The local economy is driven by agriculture, ranching, and small-scale tourism, with most professional employment located in the nearby city of Kerrville.
Development is primarily focused on low-density residential and ranch land subdivision rather than large-scale commercial or infrastructure projects.
Parcels are subject to local school district taxes and potential groundwater conservation district fees.
Property insurance premiums are elevated due to regional wildfire exposure and the high cost of rebuilding in remote areas.
Data retrieved from data.census.gov ZCTA 78058 profile.
- YO Ranch Headquarters4.97.2 mi
- YO Ranch Headquarters4.97.2 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Provides recreational opportunities for fishing and swimming.
Regional destination for hiking and equestrian trails.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.