The story of this market
The typical home in ZIP 78643 sells for about $308,800, or $185 per square foot.
Prices are up +2.4% from a year ago, so sellers still have some momentum. Homes take about 92 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,450 a month.
ZIP 78643 — Llano
The 78643 housing market is characterized by low inventory and steady, modest price appreciation driven by its appeal as a rural and recreational destination. High vacancy rates reflect the prevalence of seasonal and vacation properties, while the market remains stable due to limited new construction and consistent demand from retirees.
This ZIP is best suited for retirees, outdoor enthusiasts, and those seeking a rural lifestyle, as it offers significant space and recreational access but requires long commutes for major urban employment.
Median prices moved up 2.4% year over year.
Homes spend a median of 92 days on market with 8.4 months of supply — a slower-moving market.
18% of listings have cut prices · homes sell at 96.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 9.8% — 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 5.9%/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 5.0%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 78643, Llano County TX
Schools serving the area are primarily managed by the Llano Independent School District, which generally maintains stable performance ratings within the rural Texas context.
The area faces moderate wildfire risk typical of the Texas Hill Country and localized flood risks near the Llano River and Lake Buchanan.
Economic momentum is driven by tourism, outdoor recreation, and local services, with limited large-scale industrial development.
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).
Commuting is primarily car-dependent, with residents traveling to Llano or toward the Austin metro area for employment.
The area is rich in outdoor amenities, including access to the Llano River, Lake Buchanan, and various parks for fishing, boating, and hiking.
The rental market is characterized by low inventory and a mix of long-term residential leases and seasonal vacation rentals.
The economy is anchored by tourism, agriculture, and local government services, with a significant portion of the population engaged in remote work or retirement.
Transportation is entirely reliant on personal vehicles, with no public transit infrastructure available.
Development is primarily low-density residential and recreational, with no major commercial projects currently reported.
The Llano Central Appraisal District manages property assessments with a focus on market-value adjustments for rural and residential parcels.
Parcels are subject to Llano ISD, Llano County, and various emergency service districts.
Property insurance premiums are rising due to regional wildfire and storm exposure, consistent with broader Texas trends.
Data retrieved from US Census Bureau ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- The Barrel House4.36.2 mi
- Mr Gatti's Pizza4.317.3 mi
- Badu Park4.66 mi
- Grenwelge Park4.76 mi
- Lookout Mountain4.620 mi
- Badu Park4.66 mi
- Grenwelge Park4.76 mi
- Wakepoint LBJ Convenience Store3.819.2 mi
- Valentine Lakeside4.718.5 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Major regional waterway used for fishing and recreation.
Large reservoir providing boating and water sports access.
Nearby landmark for hiking and outdoor exploration.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.