Horseshoe Bay, TX demographics:
population, income, and more

Total population
4,854
7.1% year-over-year change
Median household income
$96,794/yr
-7.8% year-over-year change
Housing units
3,851
1.3% year-over-year change

Horseshoe Bay population

How many people live in Horseshoe Bay

Horseshoe Bay is home to 4,854 residents, according to the most recent Census data. Gender-wise, 46.7% of Horseshoe Bay locals are male, and 53.3% are female.

Total population
4,854
7.1% year-over-year change
Gender ratio
Male
46.7%
2,269
Female
53.3%
2,585
Value Percent YoY change
Male 2,269 46.7% 4.8%
Female 2,585 53.3% 9.1%
A higher population often means more rental variety and livelier areas. The gender balance—how many men live here compared to women—can reveal a lot about the community and the lifestyles of its residents. Use this info to get a sense of the area's pace and personality.

Age demographics

The median age in Horseshoe Bay is 65, with the population distributed as follows: about 8.6% are children under 15, then 3.2% are in the 15 to 24 age group. Adults between 25 and 44 make up 13.2% of the population, while another 26.7% fall into the 45 to 64 bracket. Finally, around 48.2% are 65 or older.

Median age
64.6
Age breakdown
Under 15
8.6%
15 to 24
3.2%
25 to 44
13.2%
45 to 64
26.7%
Over 65
48.2%
Value Percent YoY change
Under 15 419 8.6% -3.2%
15 to 24 157 3.2% -24.5%
25 to 44 642 13.2% 47.2%
45 to 64 1,298 26.7% 1.2%
Over 65 2,338 48.2% 7.5%
The age composition helps you get insight into who lives in the area. A younger population might mean a more active, fast-paced vibe, while an older one could suggest a quieter, slower lifestyle. If there's a balanced makeup, you’re likely to find a variety of services, housing types, and community spaces that cater to different life stages.

Racial makeup

In Horseshoe Bay, 95.5% of the population are US-born citizens, while 3.2% have gained naturalized citizenship. At the same time, 1.3% of residents are non-citizens. As for race, 91.9% of locals are Caucasian, 0.1% are African American and 0.6% have Asian roots. There’s also a share of 4% that includes residents with two or more races.

Citizenship
U.S.-born citizens
95.5%
Non-U.S.-born citizens
3.2%
Non-citizens
1.3%
Value Percent YoY change
U.S.-born citizens 4,635 95.5% 8.0%
Non-U.S.-born citizens 155 3.2% -8.3%
Non-citizens 64 1.3% -14.7%
Racial breakdown
White
91.9%
Black or African American
0.1%
American Indian and Alaska Native
0%
Asian
0.6%
Native Hawaiian and other Pacific Islander
0%
Two or more races
4%
Other
3.4%
Value Percent
White 4,463 91.9%
Black or African American 5 0.1%
Asian 28 0.6%
Two or more races 195 4%
Other 163 3.4%

Households in Horseshoe Bay

A peek inside Horseshoe Bay households

Horseshoe Bay has 2,525 households, with an average of 2 members in each. Of these, 63.4% are families, while the remaining 36.6% are made up of individuals living alone or with non-relatives, such as roommates.

Households stats

Total households
2,525
9.8% year-over-year change
Average people per household
2
Non-family households
923
Family households
1,602
Value Percent YoY change
Non-family households 923 36.6% 14.5%
Family households 1,602 63.4% 7.3%
The mix between family and non-family households gives a glimpse into daily life. A higher percentage of families might mean more parks and schools, while more non-family setups can mean flexible housing and diverse living styles. For renters, this can signal what kinds of homes are common and can help you figure out if the area matches your lifestyle.

Housing in Horseshoe Bay

The housing landscape of Horseshoe Bay

Horseshoe Bay's housing consists of 3,851 units, with 60.9% being detached single-family homes ideal for those wanting space. Attached options, including duplexes and townhouses, make up 16.4% and offer a more compact, shared living style. Then there are the multifamily buildings in the area, and for those seeking flexibility, non-traditional options like mobile homes account for 5.3% of the housing landscape.

Housing units
3,851
1.3% year-over-year change
Housing types
Value Percent
1 unit, detached 2,345 60.9%
1 unit, attached 632 16.4%
2 units 76 2%
3 or 4 units 242 6.3%
5 to 9 units 202 5.2%
10 to 19 units 113 2.9%
20 to 49 units 36 0.9%
Mobile home 205 5.3%
Homes built since 2020
110
161.9% year-over-year change

The age of buildings in Horseshoe Bay

In Horseshoe Bay, the median construction year is 1995. Most development happened in the second half of the 20th century. Then, 22.9% of homes were added from 2000 to 2009, 11.1% between 2010 and 2019, and 2.9% are part of the newest wave of development.

Construction year breakdown by decade
Value Percent YoY change
Built between 1950 and 1959 14 0.4% -22.2%
Built between 1960 and 1969 11 0.3% -50.0%
Built between 1970 and 1979 599 15.6% 11.6%
Built between 1980 and 1989 852 22.1% -13.8%
Built between 1990 and 1999 956 24.8% 4.6%
Built between 2000 and 2009 882 22.9% 4.8%
Built between 2010 and 2019 427 11.1% -2.5%
Built in 2020 or later 110 2.9% 161.9%
As a renter, knowing when homes were built helps you understand the potential condition and design of rental units. Newer builds may have more contemporary layouts, while older homes can offer character or larger lots, depending on the area.

Horseshoe Bay occupancy rates

Out of the 2,525 occupied housing units in Horseshoe Bay, 80.6% are owner-occupied, while 19.4% are lived in by tenants. Meanwhile, 34.4% of all homes on the local market sit vacant.

Occupied housing units
2,525
9.8% year-over-year change
Occupancy breakdown
Renter occupied
490
Owner occupied
2,035
Value Percent YoY
change
Renter occupied 490 19.4% 31.7%
Owner occupied 2,035 80.6% 5.6%
Unoccupied housing units
34.4%
Unoccupied housing units refer to homes that are currently without residents—whether they're waiting for renters or owners, used seasonally, or simply unclaimed. A higher share of empty homes may mean more housing availability, while a low number can reflect a tighter market with more competition. This, along with the renter-vs.-owner mix, helps paint a clearer picture of what types of housing and services are likely to be available in the area.

Horseshoe Bay housing costs

Housing costs in Horseshoe Bay come to a median of $1,477 per month, while tenants specifically pay a median gross rent of $1,536.

Median housing costs per month
$1,477/month
This figure sums up typical monthly housing costs for all households in the area. If you own, it includes mortgage payments in addition to property taxes, insurance and HOA fees. If you rent, it accounts for rent plus extras like utilities. It’s useful for seeing how local living expenses stack up compared to other places.
Median gross rent in Horseshoe Bay
$1,536/month
Gross rent gives a more complete look at what renters actually pay, including not just base rent, but also utilities and fees. It’s a key number for evaluating rental affordability in your area of interest and understanding how it compares to nearby locations.

Education in Horseshoe Bay

Horseshoe Bay education at a glance

About 19% of the population in Horseshoe Bay went to high school, while 22.8% pursued college studies. Another 6.6% earned an associate degree and 35.2% hold a bachelor’s. Meanwhile, 15% went even further, earning a master’s or doctorate.

Education level
Value Percent YoY change
No high school 63 1.4% 117.2%
High school diploma 831 19% 10.4%
College diploma 995 22.8% 23.0%
Associate degree 288 6.6% -14.0%
Bachelor's degree 1,540 35.2% -0.1%
Graduate degree 656 15% 18.8%
A community’s education mix can offer insights into the local economy and housing market. Higher levels of education often align with more job opportunities and stable incomes, which can increase demand for homes and influence both rent prices and rental availability.

Income in Horseshoe Bay

How much people earn in Horseshoe Bay

The average annual household income in Horseshoe Bay was $166,380 in 2024, the most recent annual data available, according to the U.S. Census Bureau. This marked a -1.5% change from the previous year. At the same time, the median income stood at $96,794, reflecting a -7.8% shift over the same period.

Average household income in Horseshoe Bay
$166,380/year
-1.5% year-over-year change
Median household income in Horseshoe Bay
$96,794/year
-7.8% year-over-year change

Horseshoe Bay income by age

In Horseshoe Bay, households led by residents aged 25 to 44 — usually in the early to mid stages of their careers — have a median income of $62,348. Those with someone between 45 and 64 in charge, often well established professionally, earn $142,361 overall. Overall, 95.7% of the locals in this community live above the poverty line.

Income breakdown by age
Value YoY change
25 - 44 $62,348 -21.2%
45 - 64 $142,361 7.8%
Over 65 $101,635 13.7%
Above poverty level
4,646
Below poverty level
208
Value Percent YoY
change
Above poverty level 4,646 95.7% 6.9%
Below poverty level 208 4.3% 11.2%

Average renter income in Horseshoe Bay

To get a better sense of what renters earn on average in Horseshoe Bay, their median household income was $41,351 according to 2022 Census data. In addition, the rent-to-income ratio in the area, at 44.6%, shows what portion of their earnings goes toward housing expenses.

Renter median household income
$41,351
Rent-to-income ratio
44.6%
Understanding the rent-to-income ratio can help renters gauge if local housing costs align with their earnings. A ratio under 30% usually signals affordability, while exceeding this mark means rent is taking a larger-than-recommended bite out of income. That could make it harder for you to cover other costs like transportation, healthcare, or child care.

Employment in Horseshoe Bay

Workforce and job types in Horseshoe Bay

The job market in Horseshoe Bay is powered by 1,884 working residents, spread across a range of industries and roles. 84.3% of the working population are employed in professional or administrative positions, while 15.7% are in hands-on or service-based jobs. Also, 27% run their own businesses, 63.4% are employed by private companies, and 4.7% work in the public sector.

Workforce demographics

Working population
1,884
12.5% year-over-year change
White collar
1,588
Blue collar
296
Value Percent YoY change
White collar 1,588 84.3% 7.2%
Blue collar 296 15.7% 54.2%
Employer type
Self employees
27%
Private companies
63.4%
Governmental workers
4.7%
Not for profit companies
4.9%
Value Percent YoY change
Self employees 509 27% 24.4%
Private companies 1,194 63.4% 10.6%
Governmental workers 89 4.7% -27.6%
Not for profit companies 92 4.9% 48.4%
Unemployment rate
2.9%
3.7% year-over-year change

Available workforce

The unemployment rate in Horseshoe Bay stands at 2.9%, representing the share of the workforce currently without a job and actively looking for one.

For renters, the unemployment rate helps paint a picture of job security and financial stability in the area. Rates around 4% to 5% are considered typical. A lower-than-average rate might suggest strong job prospects and a thriving local economy, while a higher rate could hint at fewer opportunities—both useful to consider when planning a move.

Transportation in Horseshoe Bay

How people get around in Horseshoe Bay

In Horseshoe Bay, the average commute time is 22 minutes.

Commute time
22 min
Means of transportation
Value Percent YoY change
Car 1,409 75.5% 15.2%
Understanding how locals get to work can help you plan your own routine. High car usage might mean you’ll need a vehicle, while strong public transit or walkability could save you the hassle. Commute times also play a big role in quality of life—shorter trips can give you more time for the things you enjoy.

What is the median and average household income in Horseshoe Bay by zipcode?

Zipcode Population Number of households Median income Average income
78657 7,591 3,526 $91,452 $145,933

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FAQs about Horseshoe Bay demographics 

What is the total population of Horseshoe Bay?

Horseshoe Bay has a total population of 4,854 residents, according to the latest release from the U.S. Census Bureau: the 2019-2023 American Community Survey (ACS) 5-year estimates. This figure changed by +7.1% compared to a year ago.

What is the gender ratio in Horseshoe Bay?

The gender ratio in Horseshoe Bay is as follows:
  • 46.7% males (2,269 residents)
  • 53.3% females (2,585 residents)

What is the median age in Horseshoe Bay?

The median age in Horseshoe Bay is 64.6.

What is the age distribution of the population in Horseshoe Bay?

The age distribution in Horseshoe Bay is as follows:
  • Under 15: 8.6% (419 residents)
  • Ages 15-24: 3.2% (157 residents)
  • Ages 25-44: 13.2% (642 residents)
  • Ages 45-64: 26.7% (1,298 residents)
  • Over 65: 48.2% (2,338 residents)

What is the racial and ethnic makeup of Horseshoe Bay?

The racial and ethnic makeup of Horseshoe Bay is as follows:
  • White: 91.9% (4,463 residents)
  • Black or African American: 0.1% (5 residents)
  • American Indian and Alaska Native: 0% (0 residents)
  • Asian: 0.6% (28 residents)
  • Native Hawaiian and Other Pacific Islander: 0% (0 residents)
  • Two or More Races: 4% (195 residents)
  • Other: 3.4% (163 residents)

What percentage of the population in Horseshoe Bay are U.S.-born citizens?

U.S.-born citizens represent 95.5% of the population in Horseshoe Bay.

How many housing units are there in Horseshoe Bay?

There are 3,851 housing units in Horseshoe Bay, reflecting a +1.3% change compared to the previous year, according to the latest data from the U.S. Census Bureau.

How many households are in Horseshoe Bay and what is the average household size?

Horseshoe Bay has a total of 2,525 households, with an average of 2 people in each.

What is the median household income in Horseshoe Bay?

Horseshoe Bay has a median household income of $96,794, representing a -7.8% shift from the previous year, according to the U.S. Census Bureau.

What is the employment rate and job market overview for Horseshoe Bay?

The employment rate is 97.1% in Horseshoe Bay, with a workforce of 1,884 residents. Here’s a detailed breakdown of the local job market:

Job types:
  • White-collar workers: 84.3% (1,588 residents)
  • Blue-collar workers: 15.7% (296 residents)

Places of employment:
  • Self-employed: 27% (509 residents)
  • Private companies: 63.4% (1,194 residents)
  • Governmental workers: 4.7% (89 residents)
  • Not-for-profit companies: 4.9% (92 residents)

Data source & methodology

The demographic data on this page was sourced from the latest U.S. Census Bureau release—the 2019–2023 American Community Survey (ACS) 5-year estimates.

The information, issued annually, is compiled and published by the Point2Homes Research Team as soon as new data becomes available.

No representation, guarantee, or warranty is made concerning the accuracy or completeness of modified or aggregated information for particular areas.

Page last updated: September 2025