Market Overview
Home Prices in Horseshoe Bay, TX
The median home value in Horseshoe Bay, TX is $711,762 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 4% compared to a year ago and down 1.3% from two years prior.
Compared to the U.S. national median of $410,000, homes in Horseshoe Bay are priced74% above average.
Over the past five years, Horseshoe Bay home values have risen by approximately13.1%, reflecting steady appreciation in this market.
Price History
Horseshoe Bay Home Price Trend
2020
$517,080
$517K
—
2021
$629,458
$629K
+21.7%
2022
$808,348
$808K
+28.4%
2023
$771,254
$771K
-4.6%
2024
$750,820
$751K
-2.6%
2025
$741,337
$741K
-1.3%
2026
$711,762
$712K
-4.0%
City Comparison
Horseshoe Bay vs. National Median
🏠 Horseshoe Bay
$711,762
National Median
$410,000
At $711,762, homes in Horseshoe Bay cost 74% above the national median of $410,000. Buyers in Horseshoe Bay should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Horseshoe Bay?
20% Down Payment
$142,352
on $711,762
Monthly P&I
$3,712/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,714/mo
incl. taxes & insurance
Income Needed
$188,560
gross annual (30% rule)
10% Down Option
$71,176
+ PMI applies
Loan Amount (20% dn)
$569,410
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Horseshoe Bay, TX?
The median home value in Horseshoe Bay is $711,762 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 4% year-over-year.
How much have home prices changed in Horseshoe Bay?
Over the past year, home values in Horseshoe Bay have decreased by 4%. Over five years, prices have risen approximately 13.1%.
How much do I need to earn to buy a home in Horseshoe Bay?
To comfortably afford the median home price of $711,762 with a 20% down payment ($142,352) at today's rates (6.8%), you'd need a gross annual income of approximately $188,560. This assumes keeping total housing costs at or below 30% of gross income.
How does Horseshoe Bay compare to the national average home price?
The national median home value is approximately $410,000. At $711,762, homes in Horseshoe Bay are 74% above the national average.