ZIP Code 78661 — Luling, TX Home Prices (2026)
The typical home in ZIP 78661 (Luling, Texas) is worth about $201,000 at roughly $218 per square foot — 13% more affordable than the Luling median and 32% more affordable than the typical U.S. home.
How 78661 compares
ZIP 78661 is one of the more affordable ZIP codes in Luling: its typical home value of $201,000 ranks #3 of the 3 Luling ZIP codes we track (the citywide range runs from $201,000 in 78661 to $232,000 in 78622). Per square foot it costs about $218, against $218 for Luling as a whole, $173 for Texas, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 78661 | $201,000 | $218 |
| Luling, TX | $231,000 | $218 |
| Texas | $264,000 | $173 |
| United States | $294,000 | $195 |
Home value by size in 78661
Using this ZIP’s rate of about $218 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 | $218,000 |
| 1,500 sq ft | $327,000 |
| 2,000 sq ft | $436,000 |
| 2,500 sq ft | $545,000 |
| 3,000 sq ft | $654,000 |
Salary needed to buy a home in ZIP 78661
To buy the typical $201,000 home in ZIP 78661 with 20% down, you need a household income of roughly $55,000 a year (about $1,280 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $65,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $10,100 | $1,590/mo | $68,000/yr |
| 10% (+PMI) | $20,100 | $1,520/mo | $65,000/yr |
| 20% | $40,200 | $1,280/mo | $55,000/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 78661
At about $218 per square foot, here is roughly how much home different budgets get you in ZIP 78661:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 690 sq ft | below the local median — condos, smaller or older homes |
| $200k | 920 sq ft | around the typical home here |
| $250k | 1150 sq ft | around the typical home here |
| $300k | 1380 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1830 sq ft | above the median — larger homes or the pricier ZIPs |
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 78661 home.
Estimate a specific home in 78661
The estimator below is pre-set to ZIP 78661 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Luling ZIP codes by home value
Where 78661 sits among Luling’s 3 ZIP codes:
ZIP 78661 home prices: frequently asked
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See the full Luling 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.