ZIP Code 78628 — Georgetown, TX Home Prices (2026)
The typical home in ZIP 78628 (Georgetown, Texas) is worth about $476,000 at roughly $208 per square foot — 8% more expensive than the Georgetown median and 62% more expensive than the typical U.S. home.
How 78628 compares
ZIP 78628 is one of the pricier ZIP codes in Georgetown: its typical home value of $476,000 ranks #1 of the 3 Georgetown ZIP codes we track (the citywide range runs from $351,000 in 78626 to $476,000 in 78628). Per square foot it costs about $208, against $208 for Georgetown as a whole, $173 for Texas, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 78628 | $476,000 | $208 |
| Georgetown, TX | $442,000 | $208 |
| Texas | $264,000 | $173 |
| United States | $294,000 | $195 |
Home value by size in 78628
Using this ZIP’s rate of about $208 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $208,000 |
| 1,500 sq ft | $312,000 |
| 2,000 sq ft | $416,000 |
| 2,500 sq ft | $520,000 |
| 3,000 sq ft | $624,000 |
Salary needed to buy a home in ZIP 78628
To buy the typical $476,000 home in ZIP 78628 with 20% down, you need a household income of roughly $130,000 a year (about $3,020 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $154,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $23,800 | $3,760/mo | $161,000/yr |
| 10% (+PMI) | $47,600 | $3,590/mo | $154,000/yr |
| 20% | $95,200 | $3,020/mo | $130,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 78628
At about $208 per square foot, here is roughly how much home different budgets get you in ZIP 78628:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1200 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1440 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1920 sq ft | around the typical home here |
| $500k | 2400 sq ft | around the typical home here |
| $600k | 2880 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 78628 home.
Estimate a specific home in 78628
The estimator below is pre-set to ZIP 78628 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Georgetown ZIP codes by home value
Where 78628 sits among Georgetown’s 3 ZIP codes:
ZIP 78628 home prices: frequently asked
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See the full Georgetown home values page, all Texas cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.