San Marcos 78666

Austin-Round Rock-Georgetown, TX · Hays County, TX · 22,637 properties · updated 7/5/2026

Should you buy here?buyer-timing lens

43affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden
34.6%
stretched
Days on market
82
daily
Price cuts
27.0%
of active
Valuation
+2.4%
vs assessor
Look up an address
41
/100
Mixed
cooling · seller slight · prices easing year-over-year.
Price trend
6
Affordability
45
Valuation
90
Economic health
43

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / sellerbuyer-timing lens

58/ 100SellerBalancedBuyer
Balanced Market
Needs 13.3% correction for affordability
DOM: 109d (rising) · Market Dynamics rolling median · hourly
Score Components
Payment Burden (25%)50
Valuation Gap (25%)10
Supply & Demand (20%)100
Buy vs Rent (15%)50
Cancellation Rate (10%)100
Days on Market (5%)100

Balanced market in 78666. List price is roughly fair — focus on condition and value. Payment burden: 34.6% of median income. Median days on market: 109. Renting is approximately 57% cheaper than buying (price-to-rent ratio: 18.9).

Balanced market conditions. Prices roughly aligned with fundamentals — similar to stable periods in 2014-2015.
COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge. Prices down 3.6% YoY.

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Market snapshoteach number, once

Median price
$316,261
▾ 3.6% YoY
Days on market
82
daily · zip_data
Median rent
$1,399
ZORI
Investor score
45/100
cash-flow lens
Active listings
484
90-day

Valuation3 lenses, different anchors

vs assessor
+2.4%
Market vs assessed value — a tax-roll lag, not a deal signal.
Avg assessor$323,706
county CAMA · properties_v
vs income
Fair-value model not available for this market.
fair_value_scores · 10-state coverage
vs county comps
+31.3%
County-wide market — the widest, slowest signal.
Hays+31.3%
Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.
Pricing detail
Price / sqft$248
Price-to-income5.7×

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How 78666 ranks in TX
percentile vs all Texas ZIPs · n=1763
Market velocity39%
Supply tightness0%
Affordability11%
Investment yield41%
Appreciation17%

Affordability, supply & momentum

20SUPPLY
OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply26.5 mo
Days on Market82d
Inv vs History-0.9%
Listing Density14.6/1k
Affordability — payment burden
Monthly payment (P&I)$1,598
Payment burden34.6%
Median income · ZIP$55,478
Mortgage rate6.49% · 30yr
Total monthly own$1,914
Monthly rent$1,399
Market dynamics
Price cut %27.0%
Momentumcooling
LeverageSELLER SLIGHT
Months of supply26.5
Sales (90d)0
Investment analysis
Median rent$1,399
Price-to-rent18.9
Est. cap rate3.4%
Buy vs rentneutral

Livability

Walk score15
Transit score2
Bike score

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Hays County contextmacro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

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