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City · 9,650 residents · Travis County, Texas

Lago Vista , Texas

In Lago Vista, a typical home is worth $420,000. Compared with all of Travis County, the typical home value is 20% lower, typical household income is 14% higher, and the share of households that own their home is 38 points higher.

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  • Typical home value

    $420,000

    20% below the county

    48% above Texas

    • Lago Vista
    • Travis
    • Texas

  • Typical household income

    $113,457a year

    14% above the county

    45% above Texas

    • Lago Vista
    • Travis
    • Texas

  • Households that own their home

    90%

    38 points above the county

    27 points above Texas

    • Lago Vista
    • Travis
    • Texas

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$392,375
3.7% less than 12 months ago
Typical rent
$1,754 a month
0.7% less than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Lago Vista is in Travis County. The FHA loan limit ($571,550 for a one-unit home), the fair market rents and the help on this page are those of all of Travis County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Lago Vista apart

What this place has that others do not, from public data, most unusual first.

  1. 90% of households in Lago Vista own their home, against 52% in Travis County.

  2. The typical home in Lago Vista is worth $420,000, 20% less than in Travis County as a whole ($523,000).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Lago Vista

What homes there are in Lago Vista, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses, standing on their own, make up 85% of homes here, against 52% in Travis County.

Year built

Homes in Lago Vista are newer: the typical year built is 2004; in Travis County, 1999.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,271 a month

Travis County: $2,634 a month

Without a mortgage

$981 a month

Travis County: $1,019 a month

Owners with a mortgage

71%

Travis County: 67%

In Lago Vista, 71% of owners have a mortgage, and their typical cost is $2,271 a month, against $2,634 in Travis County. Without one it drops to $981.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in Lago Vista rose 77%; in Travis County, it rose 61%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureLago VistaTravis CountyTexasUnited States
Rental vacancy Unreliable estimate4.6%7.7%5.5%
Homeowner vacancy Unreliable estimate0.8%1.1%0.9%
More than one person per room Unreliable estimate3.8%4.8%3.4%
People per household 2.182.232.692.53
Drive alone 65%57%71%69%
Carpool Unreliable estimate7%10%9%
Public transit Unreliable estimate2%1%3%
Walk or bike Unreliable estimate3%2%3%
Work from home 26%30%14%15%
Other means Unreliable estimate2%2%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Lago Vista look like those in Travis County: 2.18 people on average.

To get to work, 65% of workers in Lago Vista drive alone; in Travis County, 57%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Lago Vista?

A typical home costs more than the typical income allows

We start with a typical home in Lago Vista, worth $420,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in Lago Vista, which is $113,457 a year. For that payment to be 28% of income, a household would need to earn about $156,791 a year.

The calculator's FHA and conventional loan limits are those of all of Travis County.

Your numbers

Local data
$

Starts at the typical home value in Lago Vista. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $14,700 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$3,658

at 7.18% · 30 years

Loan amount
$412,393
Total interest
$593,336
Paid off in
November 2056

Includes $7,093 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,647 a month

  • Tight

    $2,647 to $3,404 a month

  • Hard

    more than $3,404 a month

    Your payment · 39%

Compared with the typical household income in Lago Vista ($113,457 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,658
Principal & interest$2,794
Property tax$504
Home insurance$175
FHA mortgage insurance (MIP)$186

You need at least $14,700 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Lago Vista and Travis County

Lago Vista is in Travis County, Texas. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Lago Vista's own numbers

Typical home value
$420,000
Typical yearly household income
$113,457
Households that own their home
90%
Effective property tax rate
1.44%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Travis County

FHA limit, one-unit home
$571,550
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,817
Price change over 5 years (FHFA)
+32%
Homes in a high flood-risk zone
2%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Travis County.

Everything about Travis County

Buying

Buying a home in Lago Vista

A typical home in Lago Vista is worth $420,000: 20% below the county and 48% above Texas. With the typical household income in Lago Vista ($113,457 a year), a typical home costs 3.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Lago Vista 3.7 years
  • Travis 5.3 years
  • Texas 3.6 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Travis County

According to FHFA’s house price index, home prices in Travis County rose 83% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Travis County.

Period County Texas U.S.
Last year (2025) −1.7% +0.8% +2.9%
5 years (2020–2025) +32% +44% +47%
10 years (2015–2025) +83% +88% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Lago Vista next to Travis County, Texas and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Lago Vista $420,000
  • Travis $523,000
  • Texas $283,800
  • United States $332,700
Typical yearly household income
  • Lago Vista $113,457
  • Travis $99,611
  • Texas $78,476
  • United States $80,734
See the full table
Lago Vista next to Travis County and Texas
Measure Lago Vista Travis County Texas U.S.
Typical home value $420,000 $523,000 $283,800 $332,700
Typical yearly household income $113,457 $99,611 $78,476 $80,734
Households that own their home 90% 52% 63% 65%
Typical yearly property tax $6,042 $7,727 $4,232 $3,119
Effective property tax rate 1.44% 1.48% 1.49% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Travis County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Lago Vista

For a typical $420,000 home in Lago Vista, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Lago Vista's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,658a month

    Least cash to close
    Down payment
    $14,700
    Cash to close
    $27,300
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $186

  • Conventional, 5% down $3,581a month

    Down payment
    $21,000
    Cash to close
    $33,600
    Rate
    7.18%
    Mortgage insurance
    PMI · $200

  • Conventional, 20% down, no PMI $2,955a month

    Down payment
    $84,000
    Cash to close
    $96,600
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,343a month

    Down payment
    $63,000
    Cash to close
    $75,600
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Lago Vista and for Travis County.

Property tax

Effective rate in Lago Vista

1.44%of the home’s value each year

$6,042 a year for the typical owner in Lago Vista.

  • Lago Vista 1.44%
  • Travis 1.48%
  • Texas 1.49%

What Texas publishes School-district homestead exemption (Texas Comptroller of Public Accounts)

Exemptions and deadlines in Texas

Flood risk in Travis County

FEMA does not publish these numbers by city: they are for all of Travis County.

Homes in the high-risk zone
2%
6,184
Of those, with NFIP insurance
53%
County Texas U.S.
Homes in the high-risk zone 2% 4.1% 3.5%
Of those, with NFIP insurance 53% 48% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Lago Vista

The Census Bureau publishes no typical rent for Lago Vista. Below are the fair market rents for Travis County.

HUD publishes a fair market rent for all of Travis County, by unit size. To pay the 2-bedroom one ($1,817 a month) without spending more than 30% of your income, you would need to earn $34.94 an hour working full time.

HUD fair market rent for all of Travis County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,447 $27.83 $57,880
1 bedroom $1,530 $29.42 $61,200
2 bedrooms $1,817 $34.94 $72,680
3 bedrooms $2,292 $44.08 $91,680
4 bedrooms $2,689 $51.71 $107,560

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Lago Vista

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Lago Vista is in ZIP code 78645.

For 2 bedrooms it is $1,890: $73 more than the fair market rent for Travis County ($1,817).

  • 78645 $1,890$2,380

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Lago Vista when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Lago Vista

HUD lists one building with rents for lower incomes in Lago Vista.

  • Vista Bella 21101 Boggy Ford Rd, Lago Vista 78645 72 homes, 40 low-income · 1 bd: 22 · 2 bd: 44 · 3 bd: 6 · For older adults, people with disabilities, families, people experiencing homelessness (512) 267-1701

See all 207 buildings in Travis County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Lago Vista

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There are 3 HUD-approved agencies with an office in Travis County; 3 say they serve in Spanish.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Lago Vista

No down payment, repair or rent-help program on our list is for Lago Vista or Travis County. The ones below are statewide in Texas: they work in Lago Vista the same as in the rest of the state.

Which programs do I qualify for? All programs in Texas

  • My First Texas Home

    Statewide in Texas

    Texas state program for first-time buyers: a 30-year mortgage with down payment assistance. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • My Choice Texas Home

    Statewide in Texas

    Texas state program with down payment assistance for any buyer, not only first-time buyers. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    DeferredForgivable

    See the program Official page

  • Texas Mortgage Credit Certificate (MCC)

    Statewide in Texas

    Limited funds remain, per the source

    Texas state certificate that turns part of your mortgage interest into a credit on your federal tax return. Offered by Texas Department of Housing and Community Affairs (TDHCA).

    Tax credit

    See the program Official page

Housing counselors near Lago Vista

The HUD-approved agencies closest to the center of Lago Vista, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • BCL of Texas (business and Community Lenders)

    1011 San Jacinto Blvd Ste 500, Austin · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (512) 912-9884

  • Frameworks Community Development Corporation

    2200 E Martin Luther King Jr Blvd, Austin · 20 miles away · Spanish

    • Mortgage delinquency and default
    • Workshops for new owners
    • and 2 more
    (512) 385-1500

  • Austin Habitat for Humanity

    500 W Ben White Blvd, Austin · 21 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    512-472-8788x122

Every agency in Travis County All counseling agencies in Texas

Help in Spanish near Lago Vista

3 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Lago Vista

HUD’s record names them for Lago Vista or Travis County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Housing Authority of Travis County Section 8 vouchers (512) 854-8245

2 other authorities have an office in Travis County: see the list Source: HUD

Cities

Other cities in Travis County

These cities are also in Travis County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Travis County Housing in Texas

Nearby cities

The cities closest to Lago Vista, with the typical home value.

Neighboring counties

If Travis County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Lago Vista.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Lago Vista

Short answers with the numbers for Lago Vista and all of Travis County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Lago Vista?

The typical home value in Lago Vista is $420,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Travis County it is $523,000.

What is the FHA loan limit in Lago Vista?

Lago Vista uses the FHA limit for all of Travis County (2026): $571,550 for a one-unit home and $1,099,150 for a four-unit home.

How much property tax do owners pay in Lago Vista?

The typical homeowner in Lago Vista pays $6,042 a year, according to the U.S. Census Bureau. That is 1.44% of the home’s value; in Travis County, the rate is 1.48%.

Where can I find free help to buy or rent in Lago Vista?

There are 3 HUD-approved counseling agencies with an office in Travis County. 3 say they serve in Spanish. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).