La Vernia, TX—78121
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — La Vernia, TX
As of Oct '25, the median home price in La Vernia, TX is $499,000, with a year-over-year change of 1.8%. This indicates that home prices in La Vernia, TX are increasing. According to Zillow, the 1-year price projection is -0.8%, suggesting a relatively flat housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $499,000 | 1.8% |
| Single Family | $499,000 | 1.4% |
| Condos | N/A | N/A |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | N/A | N/A |
3 Bed | $443,000 | 0.9% |
4 Bed | $553,000 | 1.7% |
| 5 Bed | $637,000 | 1.0% |
% of Housing Stock
Rental Trends — La Vernia, TX
As of July '25, Rentcast reports the average rent in La Vernia, TX is $2,270, with a year-over-year rent change of 0.4%. Per bedroom, the median rent as of July '25 in La Vernia, TX is 2-bedrooms: $1,440, 3-bedrooms: $2,160, 4-bedrooms: $2,720. The most common rental property sizes in La Vernia, TX are 2-bedroom and 3-bedroom, accounting for 34.7% and 30.1% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,250 | $2,270 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | N/A | N/A |
| 2 Bed Rent | $1,400 | $1,440 |
| 3 Bed Rent | $2,250 | $2,160 |
| 4 Bed Rent | $2,700 | $2,720 |
% of Rental Stock
Property Listings — La Vernia, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in La Vernia, TX is 93. This is a decrease of -3.0% from last year, suggesting that homes are sitting on the market shorter than last year. The percentage of listed homes with a reduced price is 34.0%, representing a large inventory and a lot of supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $564,000 | -5.0% |
Listing Count | 141 | 16.0% |
| Listings as % of Homes | 2.2% | 16.0% |
Days on Market | 93 | -3.0% |
Demographics — La Vernia, TX
As of the latest ACS Survey released in 2023, La Vernia, TX has a population of 15,000, which has increased by 14.7% over the past 5 years. La Vernia, TX is a popular place for families, as children make up 25.3% of the population. The area has a moderately educated workforce, with 32.7% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 14.9% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 15,000 | 14.7% |
% Under 18 | 25.3% | 0.4% |
% Seniors | 12.9% | 0.0% |
% WFH | 14.9% | 98.7% |
% w/ College Degree | 32.7% | 7.9% |
As of the latest ACS Survey released in 2023, La Vernia, TX is a predominantly white area, with 70.3% of the population identifying as white. The white population has shrunk by 7.5% in the last 5 years. The second most common race or ethnicity in La Vernia, TX is hispanic, making up 23.1% of the population. Foreign-born residents account for 5.7% of the population in La Vernia, TX, and this percentage has increased by 42.5% as of the ACS Survey 5 years prior, suggesting more immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 70.3% | -7.5% |
% Black | 2.1% | -22.2% |
% Hispanic | 23.1% | 16.1% |
% Asian | 0.4% | ∞% |
% Foreign Born | 5.7% | 42.5% |
Mortgage and Risk — La Vernia, TX
According to HUD data as of 2023, there were 317 mortgage originations in La Vernia, TX, of which 66.0% of loans were conventional mortgages. The average loan-to-value was 72.0%, with 43.0% above 90% LTV (very high). This implies large mortgage risk in La Vernia, TX. Investor activity is low, as 1.0% of loans were by investors. 15.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 317 |
% Conventional Loans | 66.0% |
% Government Loans | 34.0% |
% Investor Loans | 1.0% |
% Second Loans | 0.0% |
% Cash Out Refinance | 15.0% |
Loan Activity
Rentals and Section 8 — La Vernia, TX
La Vernia, TX lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 10 |
Total Units Section 8 | 10 |
% Rentals under Section 8 | 2.2% |
% Occupied Section 8 | N/A |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | N/A | N/A | $1,210 |
| 2 Bedroom | $70 | $1,400 | $1,470 |
| 3 Bedroom | -$380 | $2,250 | $1,870 |
| 4 Bedroom | -$500 | $2,700 | $2,200 |
Affordability — La Vernia, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $499,000 |
| Median Household Income | $127,000 |