Georgetown, TX—78628
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Georgetown, TX
As of Oct '25, the median home price in Georgetown, TX is $481,000, with a year-over-year change of -3.7%. This indicates that home prices in Georgetown, TX are decreasing. According to Zillow, the 1-year price projection is -2.1%, suggesting a decrease housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $481,000 | -3.7% |
| Single Family | $483,000 | -3.8% |
| Condos | $329,000 | 2.5% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $339,000 | -4.5% |
3 Bed | $400,000 | -3.8% |
4 Bed | $518,000 | -4.1% |
| 5 Bed | $624,000 | -4.3% |
% of Housing Stock
Rental Trends — Georgetown, TX
As of July '25, Rentcast reports the average rent in Georgetown, TX is $2,200, with a year-over-year rent change of -5.2%. Per bedroom, the median rent as of July '25 in Georgetown, TX is studios: $1,000, 1-bedrooms: $1,160, 2-bedrooms: $1,460, 3-bedrooms: $2,160, 4-bedrooms: $2,650. The most common rental property sizes in Georgetown, TX are 2-bedroom and 1-bedroom, accounting for 36.1% and 28.3% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,250 | $2,200 |
| Studio Rent | $1,000 | $1,000 |
| 1 Bed Rent | $1,100 | $1,160 |
| 2 Bed Rent | $1,400 | $1,460 |
| 3 Bed Rent | $2,150 | $2,160 |
| 4 Bed Rent | $2,500 | $2,650 |
% of Rental Stock
Property Listings — Georgetown, TX
As of Oct '25, Realtor.com reports that the median days on market for a home in Georgetown, TX is 84. This is a increase of 21.0% from last year, suggesting that homes are sitting on the market longer 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 | $544,000 | 0.0% |
Listing Count | 499 | -5.0% |
| Listings as % of Homes | 1.8% | -5.0% |
Days on Market | 84 | 21.0% |
Demographics — Georgetown, TX
As of the latest ACS Survey released in 2023, Georgetown, TX has a population of 44,800, which has increased by 36.0% over the past 5 years. Georgetown, TX is a moderately popular place for families, as children make up 23.1% of the population. The area has a highly educated workforce, with 53.1% of adult residents holding a bachelor’s degree or higher. There are some residents working remotely, with 22.5% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 44,800 | 36.0% |
% Under 18 | 23.1% | 1.3% |
% Seniors | 18.3% | -7.6% |
% WFH | 22.5% | 129.6% |
% w/ College Degree | 53.1% | 26.7% |
As of the latest ACS Survey released in 2023, Georgetown, TX is a predominantly white area, with 73.6% of the population identifying as white. The white population has shrunk by 2.1% in the last 5 years. The second most common race or ethnicity in Georgetown, TX is hispanic, making up 15.5% of the population. Foreign-born residents account for 8.3% of the population in Georgetown, TX, and this percentage has increased by 43.1% 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 | 73.6% | -2.1% |
% Black | 3.6% | 28.6% |
% Hispanic | 15.5% | -15.3% |
% Asian | 4.6% | 475.0% |
% Foreign Born | 8.3% | 43.1% |
Mortgage and Risk — Georgetown, TX
According to HUD data as of 2023, there were 497 mortgage originations in Georgetown, TX, of which 80.0% of loans were conventional mortgages. The average loan-to-value was 67.0%, with 29.0% above 90% LTV (very high). This implies large mortgage risk in Georgetown, TX. Investor activity is low, as 2.0% of loans were by investors. 13.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 497 |
% Conventional Loans | 80.0% |
% Government Loans | 20.0% |
% Investor Loans | 2.0% |
% Second Loans | 1.0% |
% Cash Out Refinance | 13.0% |
Loan Activity
Rentals and Section 8 — Georgetown, TX
As of 2024, the percent of homes in Georgetown, TX under the Section 8 program is 2.5%. This is considered low, suggesting that the neighborhood is sparsely composed of Section 8 homes. Section 8 opportunity is good when HUD pays more than market rent. In Georgetown, TX, all tracked home sizes have HUD payment amounts above market rent, suggesting strong Section 8 opportunity across the board.
Section 8 Market Size
Total Units under HUD | 110 |
Total Units Section 8 | 110 |
% Rentals under Section 8 | 2.5% |
% Occupied Section 8 | 99.2% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | $430 | $1,100 | $1,530 |
| 2 Bedroom | $410 | $1,400 | $1,810 |
| 3 Bedroom | $160 | $2,150 | $2,310 |
| 4 Bedroom | $180 | $2,500 | $2,680 |
Affordability — Georgetown, TX
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 4.7 |
| Median Home Price | $481,000 |
| Median Household Income | $117,000 |