The story of this market
The typical home in ZIP 78860 sells for about $185,000, or $132 per square foot.
Prices are down 2.1% from a year ago, which gives buyers more room to negotiate. Homes take about 84 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $1,150 a month.
ZIP 78860 — El Indio
The housing market in 78860 is currently stable, characterized by modest price adjustments and a balanced inventory level. Demand remains consistent with local economic drivers, though the market is not experiencing the rapid appreciation seen in larger Texas metros. Current conditions reflect a cautious approach from both buyers and sellers in a rural, price-sensitive environment.
This ZIP is best suited for local families and workers who prioritize affordability and a rural lifestyle over proximity to major urban centers. It is less attractive to investors seeking high-turnover rental yields or commuters requiring access to metropolitan transit hubs.
Median prices moved down 2.1% year over year.
Homes spend a median of 84 days on market with 6.8 months of supply — a balanced-paced market.
19% of listings have cut prices · homes sell at 96.2% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 9.2% · poverty 28.5% — elevated distress and economic pressure.
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 5.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net outflow — more people moved out than in
ZCTA 78860, Maverick County TX
Crime rates in the area are generally consistent with rural South Texas trends, with property crime being the primary concern compared to violent crime. Local law enforcement maintains a stable presence, though regional comparisons often show higher rates than more isolated rural counties.
Schools serving the area are part of the Eagle Pass Independent School District, which generally receives average accountability ratings from the state. Educational performance is a primary focus for the district, with ongoing efforts to improve student outcomes and college readiness.
The area faces moderate risks from extreme heat and occasional flash flooding during heavy rainfall events. Property insurance premiums have seen upward pressure due to regional wildfire and wind exposure common to the South Texas brush country.
Economic momentum is driven by proximity to the border and regional trade, with logistics and public sector employment serving as primary anchors. Development is steady but limited, focusing on essential services and residential infill rather than large-scale commercial expansion.
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 most residents traveling to Eagle Pass for employment and services. Transit options are extremely limited, and the commute profile is characterized by rural highway driving.
Recreational opportunities are centered on outdoor activities, including local parks and access to the Rio Grande for fishing and boating. Shopping and dining are concentrated in the nearby city of Eagle Pass, providing the primary amenity base for the ZIP.
The rental market is characterized by limited inventory and steady demand from local workers and families. Vacancy pressure is generally low, and there is minimal presence of short-term vacation rentals compared to urban markets.
The economy is heavily influenced by border trade, agriculture, and public sector employment in Eagle Pass. Industry mix is limited, with a reliance on regional logistics and government services.
Transportation is dominated by private vehicle use on state highways. There is no significant public transit infrastructure serving this rural ZIP code.
Development is largely reactive to local housing needs, with no major master-planned communities or large-scale commercial projects currently in the pipeline.
The Maverick County Appraisal District manages assessments for all properties, utilizing mass appraisal techniques to determine annual market values.
Parcels are subject to taxes from the Eagle Pass Independent School District and Maverick County, with some areas potentially falling under specific water or emergency service districts.
Property insurance availability is stable, though premiums are sensitive to regional climate risks including wind and wildfire exposure.
Net domestic migration is generally flat, with population changes driven primarily by natural increase rather than significant in-migration.
Texas operates as a non-judicial foreclosure state, allowing for relatively efficient processes for lenders, though notice requirements are strictly regulated.
Texas law requires sellers to provide a written disclosure notice to buyers, detailing the condition of the property and any known defects.
Data retrieved from data.census.gov using ZCTA 78860 profile.
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.
Provides local green space and community gathering areas.
Used for local fishing and recreational boating.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.