Market Overview for Zip Code 78645
There are 338 active listings in Zip Code 78645 with a median list price of $527K and a median sold price of $439K.
Homes average 86 days on market.
Over the past 30 days, 37 homes have sold, with 443 sales in the past 12 months.
The average price per square foot is $294.
About Zip Code 78645
Zip code 78645 covers Lago Vista, a city of approximately 8,000 people situated on the northern shore of Lake Travis in Travis County, about 35 miles northwest of downtown Austin. The city sits along FM 1431 (Whitestone Boulevard) where the Hill Country terrain meets the Highland Lakes chain of the Colorado River. Lago Vista was originally developed in the 1960s as a vacation and retirement community, and many of its winding residential streets follow the contours of the limestone hills above Lake Travis. The area provides direct lake access through public boat ramps, private marinas, and numerous waterfront properties.
Real estate in 78645 ranges from modest inland cottages to high-end lakefront estates. Non-waterfront homes in the established Lago Vista neighborhoods typically list from $250K for smaller two-bedroom homes to $500K for updated three- and four-bedroom houses. Golf course properties along the Lago Vista Golf Course list from $350K to $650K. Waterfront homes on Lake Travis with private docks can range from $700K to well over $2 million depending on lot size, water depth, and home condition. New construction is limited due to the hilly terrain and established platting, but custom homes on vacant lots are built regularly. The area also includes Bar-K Ranches and Balcones Village, smaller residential communities within the zip code.
Students in 78645 attend Lago Vista ISD, a small district serving approximately 1,800 students across three campuses. Lago Vista Elementary covers pre-K through 5th grade, Lago Vista Intermediate serves 6th through 8th grade, and Lago Vista High School covers 9th through 12th. The district is compact, with all campuses on a shared complex off Lohmann Ford Road. Lago Vista High School competes in UIL 3A and has competitive golf, cross-country, and tennis programs. The nearest private school options are in Cedar Park or Leander, each about 20 to 25 minutes east along FM 1431.
Lago Vista is approximately 35 to 45 minutes from downtown Austin via FM 1431 to US-183 or via RM 620 to Loop 360. Cedar Park is about 20 minutes east, and Marble Falls is approximately 30 minutes west on FM 1431. The city is somewhat isolated by geography, with the lake to the south and Hill Country terrain on all sides limiting direct route options. Most residents commute to Cedar Park, Leander, or Austin for employment. Lago Vista's commercial services are concentrated along FM 1431 and Lohmann Ford Road, including a small H-E-B, several restaurants, a hardware store, and medical clinics. The Rusty Allen Airport provides general aviation access.
Living in Zip Code 78645
Lago Vista's population is a mix of retirees drawn by the lake lifestyle, vacation homeowners, and working families commuting to Austin-area jobs. Median household income is approximately $65,000, with a wide range between fixed-income retirees and dual-income commuter households. The city has a higher-than-average median age, reflecting the retirement community origins, though younger families have increased as Cedar Park and Leander have grown. Most homes are owner-occupied, with a meaningful percentage used as second homes or short-term vacation rentals through platforms like Airbnb and VRBO.
Daily life in Lago Vista is oriented around Lake Travis and the Hill Country outdoors. The Lago Vista Golf Course, an 18-hole public course with Hill Country views, is a central recreational amenity. Bar-K Park has a beach area on Lake Travis with swimming, picnicking, and a boat ramp. The city-operated Dawn Treader boat ramp provides additional lake access. Pace Bend Park, a Travis County park on the south side of the lake accessible via RM 2322, offers cliff jumping, camping, and swimming on a large peninsula. Balcones Canyonlands National Wildlife Refuge, accessible north of the city, has hiking trails through habitat protecting the golden-cheeked warbler. Restaurants in the area include casual lakefront dining spots and the Lago Vista community center. The annual Christmas in the Hills celebration features a holiday market and community dinner. Grocery shopping is available at the local H-E-B on FM 1431, though larger shopping trips typically require a drive to Cedar Park.
Things to Do in Zip Code 78645
- Lake Travis: Highland Lakes reservoir providing boating, swimming, fishing, and waterfront recreation. Multiple access points near Lago Vista including Bar-K Park and Dawn Treader ramp.
- Lago Vista Golf Course: 18-hole public course with Hill Country views, elevation changes, and a pro shop open to daily-fee players.
- Balcones Canyonlands National Wildlife Refuge: Federal preserve north of Lago Vista with hiking trails through juniper-oak woodlands protecting endangered songbird habitat.
- Pace Bend Park: Travis County park on a Lake Travis peninsula with cliff jumping, swimming coves, camping, and hiking along the waterline.
- Bar-K Park: City park with Lake Travis beach access, swimming area, picnic facilities, and a public boat ramp.
Major Employers in Zip Code 78645
- Lago Vista ISD (Education): Largest employer within Lago Vista with approximately 250 staff across three campuses and district offices.
- City of Lago Vista (Government): Municipal government including police, fire, public works, and parks departments serving the city's 8,000 residents.
- H-E-B (Retail): Grocery store on FM 1431 providing essential retail services and employing approximately 80 local workers.
- Lago Vista Golf Course (Recreation): 18-hole public golf course employing course maintenance, pro shop, and food service staff.
Zip Code 78645 Schools
Lago Vista ISD serves approximately 1,800 students across three campuses on a shared complex off Lohmann Ford Road.
School District: Lago Vista ISD
Public Schools
- Lago Vista Elementary - Pre-K through 5th grade campus serving the entire Lago Vista ISD area.
- Lago Vista Intermediate - 6th through 8th grade campus on the shared Lago Vista ISD complex.
- Lago Vista High School - 9th through 12th grade with UIL 3A athletics and competitive golf, cross-country, and tennis.
Pre-Schools
- Lago Vista ISD Pre-K - Public pre-kindergarten program within Lago Vista Elementary.
- Lake Travis Montessori - Private Montessori preschool near the Lago Vista area.
Private Schools
- Summit Christian Academy - Pre-K through 12th grade private school in Cedar Park, approximately 20 minutes east.
Frequently Asked Questions
Where is zip code 78645?
78645 covers Lago Vista, Texas, on the northern shore of Lake Travis about 35 miles northwest of Austin. The city sits along FM 1431 in the Texas Hill Country.
What do homes cost in 78645?
Inland homes range from $250K to $500K. Golf course homes list from $350K to $650K. Waterfront properties on Lake Travis range from $700K to over $2 million.
Does Lago Vista have lake access?
Yes, Lago Vista has multiple lake access points including Bar-K Park beach, Dawn Treader boat ramp, and numerous waterfront properties with private docks on Lake Travis.
What school district is 78645 in?
78645 is served by Lago Vista ISD, a small district of about 1,800 students with elementary, intermediate, and high school campuses on a shared complex.
How far is Lago Vista from Austin?
Lago Vista is 35 to 45 minutes from downtown Austin via FM 1431 to US-183. Cedar Park is about 20 minutes east, and Marble Falls is approximately 30 minutes west.
