The basics
Total Population
20,650
Median Age
42.7
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$358,400
Median Property Tax
$4,207
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
4.83
Median Rent
$1,387
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
52%
Appreciation 1yr %
-5.7%
Pandemic Gain %
60%
Recession Drop %
-3.7%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
93.3
Winter Avg Low (°F)
41.3
Avg Temperature (°F)
67.4
Hot Days/yr (>90°F)
102.4
Freezing Days/yr (<32°F)
19.5
Annual Precipitation (in)
32.4
Annual Snowfall (in)
0
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
74.9
The full report
Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.
People
Work & Money
Housing
Amenities
Environment & Risk
ZIP Code 78654: frequently asked questions
- What is the median home value in ZIP Code 78654?
- The median home value in ZIP Code 78654 is $358,400, higher than 77% of U.S. ZIP codes.
- How much is property tax in ZIP Code 78654?
- The median annual property tax in ZIP Code 78654 is $4,207, an effective rate of 1% of home value.
- Is ZIP Code 78654 expensive to live in?
- Homes in ZIP Code 78654 cost about 4.83× the median household income, higher than 84% of U.S. ZIP codes.
- What is the average rent in ZIP Code 78654?
- The median gross rent in ZIP Code 78654 is $1,387 a month, higher than 80% of U.S. ZIP codes.
- How much have home prices grown in ZIP Code 78654?
- Home prices in ZIP Code 78654 have moved 52% over the past five years (-5.7% in the past year), per the FHFA House Price Index.
- What is the weather like in ZIP Code 78654?
- ZIP Code 78654 averages 67.4°F year-round, summer highs near 93.3°F, winter lows around 41.3°F (NOAA 1991–2020 normals).
- Is ZIP Code 78654 at risk of flooding or natural disasters?
- ZIP Code 78654's FEMA National Risk Index score is 74.9 (higher than 63% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →