ZIP Code 78681 — Round Rock, TX Home Prices (2026)
The typical home in ZIP 78681 (Round Rock, Texas) is worth about $487,000 at roughly $221 per square foot — 22% more expensive than the Round Rock median and 66% more expensive than the typical U.S. home.
How 78681 compares
ZIP 78681 is one of the pricier ZIP codes in Round Rock: its typical home value of $487,000 ranks #1 of the 3 Round Rock ZIP codes we track (the citywide range runs from $338,000 in 78664 to $487,000 in 78681). Per square foot it costs about $221, against $206 for Round Rock as a whole, $173 for Texas, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 78681 | $487,000 | $221 |
| Round Rock, TX | $398,000 | $206 |
| Texas | $264,000 | $173 |
| United States | $294,000 | $195 |
Home value by size in 78681
Using this ZIP’s rate of about $221 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 | $221,000 |
| 1,500 sq ft | $331,500 |
| 2,000 sq ft | $442,000 |
| 2,500 sq ft | $552,500 |
| 3,000 sq ft | $663,000 |
Salary needed to buy a home in ZIP 78681
To buy the typical $487,000 home in ZIP 78681 with 20% down, you need a household income of roughly $132,000 a year (about $3,090 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $157,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $24,400 | $3,840/mo | $165,000/yr |
| 10% (+PMI) | $48,700 | $3,670/mo | $157,000/yr |
| 20% | $97,400 | $3,090/mo | $132,000/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 78681
At about $221 per square foot, here is roughly how much home different budgets get you in ZIP 78681:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $250k | 1130 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1360 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1810 sq ft | around the typical home here |
| $500k | 2260 sq ft | around the typical home here |
| $600k | 2710 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 78681 home.
Estimate a specific home in 78681
The estimator below is pre-set to ZIP 78681 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Round Rock ZIP codes by home value
Where 78681 sits among Round Rock’s 3 ZIP codes:
ZIP 78681 home prices: frequently asked
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See the full Round Rock 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.