Cost of Living in Horseshoe Bay, TX
Population 4,534 · Texas · Data vintage 2023
(100 = US avg)
With a median age of 65, Horseshoe Bay functions largely as a retirement market. Housing costs — $489,000 for a typical home — anchor most household budgets, and the state's treatment of pension income tends to matter more than wage-driven tax comparisons.
Horseshoe Bay is about 40 miles west of Austin, the nearest large metro — close enough that regional housing and labor patterns are shaped largely by the larger market. Housing prices track closely with Austin's $513,000 median.
Cost Overview
Scale: 100 = US national average. Green < 90, Red > 110.
About the Cost of Living in Horseshoe Bay
The median home value in Horseshoe Bay is $489,100 — 60% above the national median of $305,000. Median rent runs $1,575/month, 20% higher than the national median of $1,314/month. The median household income of $105,024/year is 41% higher than the US median of $74,580. The local unemployment rate is 3.1%, below the national average of 4.8%. Texas charges no state income tax, a meaningful advantage for take-home pay. The climate averages highs of 78.5°F and lows of 56.5°F. Overall, Horseshoe Bay has a cost of living index of 144 versus the US average of 100, meaning it is 44% more expensive.
Horseshoe Bay has limited residential data
Detailed housing and income data is limited for this location. Here are the nearest cities with full cost of living data:
🏠 Housing
HUD Fair Market Rents by Bedroom
💰 Estimated Monthly Budget
Estimates based on median data and national averages. Actual costs vary.
🛒 Food & Groceries
National BLS average prices (2023). Local prices may vary.
🚗 Transportation
Commute Mode
⚡ Utilities
📋 Taxes
💼 Income & Employment
🎓 Education
👥 Demographics
🌤 Climate
NOAA 1991–2020 Climate Normals
| Month | Jan | Feb | Mar | Apr | May | Jun | Jul | Aug | Sep | Oct | Nov | Dec |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| High °F | 61 | 64 | 72 | 79 | 85 | 92 | 95 | 96 | 89 | 80 | 69 | 61 |
| Low °F | 38 | 42 | 49 | 56 | 64 | 71 | 73 | 73 | 68 | 58 | 47 | 40 |
| Precip" | 1.65 | 1.63 | 2.66 | 2.12 | 3.67 | 2.85 | 1.79 | 1.76 | 2.89 | 3.18 | 2.25 | 1.93 |
Frequently Asked Questions
What is the cost of living in Horseshoe Bay, TX?
Horseshoe Bay has a cost index of 144 (100 = national average). It is 44% above the national average.
What is average rent in Horseshoe Bay, TX?
The median gross rent in Horseshoe Bay is $1,575 per month based on 2023 Census data.
What is the average home price in Horseshoe Bay?
The median home value in Horseshoe Bay is $489,100 according to Zillow and Census data.
What is the median income in Horseshoe Bay?
The median household income in Horseshoe Bay is $105,024 per year (2023 ACS 5-year estimates).
What is the sales tax in Horseshoe Bay, TX?
The combined state and local sales tax rate in Horseshoe Bay is 8.2%. Texas has no state income tax.
Is Horseshoe Bay, TX affordable?
Horseshoe Bay is above average in cost of living, with an index of 144 — about 44% higher than the national average.
What is the weather like in Horseshoe Bay?
Horseshoe Bay has average high temperatures of 78.5°F and average lows of 56.5°F. Annual precipitation is 28.4". Data from NOAA 1991–2020 Climate Normals.
Horseshoe Bay at a Glance
- Population
- 4,534
- Median Income
- $105,024
- Home Value
- $489,100
- Median Rent
- $1,575/mo
- Unemployment
- 3.1%
- Avg High Temp
- 78.5°F
- Sales Tax
- 8.2%
Nearby Cities
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Texas Rankings
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