The story of this market
The typical home in ZIP 78648 sells for about $217,400, or $164 per square foot.
Prices are up +2.1% from a year ago, so sellers still have some momentum. Homes take about 80 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,038 a month.
ZIP 78648 — Luling
The 78648 housing market remains stable with modest year-over-year price appreciation. Inventory levels are sufficient to meet current demand, resulting in a balanced market environment for buyers and sellers.
This ZIP is well-suited for budget-conscious family buyers and commuters seeking a more affordable entry point into the Central Texas housing market compared to the Austin metro core.
Median prices moved up 2.1% year over year.
Homes spend a median of 80 days on market with 5.2 months of supply — a balanced-paced market.
14% of listings have cut prices · homes sell at 97.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.1% · poverty 9.0% — 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 5.4%/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 6.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
in-migration and out-migration balanced
ZCTA 78648, Caldwell County TX
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).
Residents typically commute by car to regional employment hubs; average travel time is approximately 25-30 minutes.
The area features local parks and proximity to regional outdoor recreation, including fishing and water activities along the San Marcos River.
The rental market is characterized by moderate demand with a mix of single-family homes and older multi-family units.
The local economy is anchored by agriculture, small-scale manufacturing, and retail services supporting the surrounding rural communities.
Primary access is provided by US Highway 183 and Interstate 10, facilitating regional connectivity.
Development is primarily focused on small-scale residential infill and commercial expansion along major highway corridors.
The Caldwell County Appraisal District manages property assessments for all parcels within the ZIP code.
Parcels are subject to Luling ISD taxes and various county-level special districts.
Property insurance premiums are influenced by regional wind and hail risk common to Central Texas.
Texas is a non-judicial foreclosure state with a standard 21-day notice period.
Sellers are required to provide a standard Texas Real Estate Commission (TREC) Seller's Disclosure Notice.
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.
- Unchartered Adventures Kyle4.719.5 mi
- Rattler Stadium4.519.1 mi
- Unchartered Adventures Kyle4.719.5 mi
- Palmetto State Park4.79.1 mi
- Son's River Ranch4.47.8 mi
- Son's Blue River Camp4.46.7 mi
- Lockhart State Park4.510.3 mi
- Lockhart City Park4.412.7 mi
- Gonzales Memorial Museum4.618.9 mi
- Commemorative Air Force Central Texas Wing4.917.6 mi
- Pioneer Flight Museum4.910.7 mi
- Gonzales4.818.7 mi
- Palmetto State Park4.79.1 mi
- Lockhart State Park4.510.3 mi
- Lockhart City Park4.412.7 mi
- River Trail Park4.33.8 mi
- Longer Park4.12 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Features walking trails and picnic areas.
A restored historic mill serving as a community event space.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.