Neighborhood in Horseshoe Bay, Llano County

Living in Central Horseshoe Bay, Horseshoe Bay

C

2nd of 3areas in Horseshoe Bay
Overall score 46 of 100 vs Texas neighborhoods
Horseshoe Bay overall: B-

Central Horseshoe Bay covers part of Horseshoe Bay, TX, home to about 1,400 people. It gets a C, around the middle of Texas neighborhoods, and ranks 2nd of 3 areas we score in Horseshoe Bay. It does best on jobs and income and worst on getting around.

  • Pricey
  • Cost of living scores low (15 of 100)
  • Getting around scores low (12 of 100)

Closest everyday places

Grocery store0.9 mi
Pharmacy0.9 mi
Park0.8 mi
Cafe2.7 mi
Restaurant1.2 mi
Gym0.9 mi
Hospital or urgent care1.4 mi
Childcare6.2 mi
Library6.2 mi

Straight-line distance from the middle of where people live. Overture Maps.

Population
1,420
Median rent
$1,410
Median home value
$540,000
Household income
$110,800
Average commute
29 min
Homes owned
90%
Loading map

What it's like to live in Central Horseshoe Bay

Central Horseshoe Bay is an area in Horseshoe Bay with about 1,400 residents, homes built around 1993, mostly owner-occupied (90%) and 3% of households with children.

Our grade for Central Horseshoe Bay is C. That puts it 2nd of 3 areas we grade in Horseshoe Bay, a city that gets a B- overall.

Pros of living in Central Horseshoe Bay

No clear standouts in our data.

Cons of living in Central Horseshoe Bay

  • Lower-rated schools nearby. Only 1 of the 3 closest public schools are rated A or B.
  • Longer commutes. The average commute is 29 minutes, against 22 for Horseshoe Bay as a whole.
  • Natural hazard risk. FEMA rates the risk of river flooding, tornadoes and hail as very high in this part of town.

Central Horseshoe Bay report card

Each grade compares Central Horseshoe Bay with every neighborhood in Texas. Safety is not graded for single neighborhoods because police report crime for the whole city.

  • Cost of living: grade D-

    Median rent $1,410, homes cost 4.9x income.

    15 of 100 vs TX areas

  • Jobs and income: grade A+

    Median household income $110,800, 0% unemployed.

    95 of 100 vs TX areas

  • Schools: grade D

    Nearby schools average 74 of 100 on the state rating.

    23 of 100 vs TX areas

  • Safety: no grade

    Citywide, 73 violent crimes per 100k, 639 property crimes per 100k.

    No score vs TX areas

  • Errands and things to do: grade C-

    Some everyday stores and services within a mile of homes.

    34 of 100 vs TX areas

  • Getting around: grade D-

    Average commute 29 min, 31% work from home.

    12 of 100 vs TX areas

  • Education levels: grade A

    51% have a bachelor’s degree.

    90 of 100 vs TX areas

  • Health: grade A-

    7.1% of adults uninsured.

    81 of 100 vs TX areas

  • Home ownership: grade C-

    90% of homes owner-occupied.

    36 of 100 vs TX areas

  • Internet access: grade C+

    94% of homes have broadband.

    54 of 100 vs TX areas

Central Horseshoe Bay compared with Horseshoe Bay

Better than Horseshoe Bay

  • Homes owned by the people living in them: 90%9 points higher than Horseshoe Bay (81%)
  • Median household income: $110,80014% higher than Horseshoe Bay ($96,794)
  • Home value to income: 4.9x14% lower than Horseshoe Bay (5.7x)

Worse than Horseshoe Bay

  • Renters paying 30%+ of income on rent: 100%49 points higher than Horseshoe Bay (51%)
  • Average commute: 29 min33% higher than Horseshoe Bay (22 min)

Closest public schools

Texas Education Agency 2025 ratings. Check the attendance zone for any address with the district.

  • DHighland Lakes ElementaryElementary, Marble Falls ISD5.2 mi
  • CMarble Falls MiddleMiddle, Marble Falls ISD6.7 mi
  • BMarble Falls High SchoolHigh, Marble Falls ISD8 mi

Cost of living in Central Horseshoe Bay

Median rent in Central Horseshoe Bay is $1,410 a month, 8% lower than the Horseshoe Bay median. A household would need about $56,000 a year to keep that rent at 30% of income.

The median home is worth $540,000, about the same as the Horseshoe Bay median, which means a monthly payment of about $3,298 with property tax at today's mortgage rates.

MeasureHereHorseshoe BayTexas
Median rent8% lower than Horseshoe Bay$1,410$1,536$1,403
Median home valueAbout the same as Horseshoe Bay$540,000$549,800$283,800
Home value to income14% lower than Horseshoe Bay4.9x5.7x3.6x
Renters paying 30%+ of income on rent49 points higher than Horseshoe Bay100%51%52%
Homes owned by the people living in them9 points higher than Horseshoe Bay90%81%63%
Vacant homes3 points lower than Horseshoe Bay32%34%9.4%
Median year homes were builtAbout the same as Horseshoe Bay199319951992

Monthly cost to buy a median home

$3,298
Mortgage payment
$2,956
Property tax
$342
Median rent, for comparison
$1,410

Based on a $540,000 home in Central Horseshoe Bay, 20% down and a 30-year loan at 7.28% (Freddie Mac average, week of 2026-10-01). Property tax is the median for the surrounding Census tract, or the county where that is not published. Insurance and fees are not included.

Work, income and getting around

MeasureHereHorseshoe BayTexas
Median household income14% higher than Horseshoe Bay$110,800$96,794$78,476
Unemployment rate3 points lower than Horseshoe Bay0%2.9%5.3%
People below the poverty line3 points lower than Horseshoe Bay1.8%4.3%14%
Adults with a bachelor's degree or higherAbout the same as Horseshoe Bay51%51%34%
Average commute33% higher than Horseshoe Bay29 min22 min27 min
Workers who work from home10 points higher than Horseshoe Bay31%21%14%
Workers who walk, bike or take transit0%0%2.6%
Homes with broadband internetAbout the same as Horseshoe Bay94%94%91%

Natural hazard risk

FEMA National Risk Index for the Census tracts in this area.

  • River floodingVery high
  • HurricanesModerate
  • TornadoesVery high
  • HailVery high
  • Heat wavesHigh
  • WildfiresVery high
  • Winter stormsVery high
  • Strong windVery high

Who lives in Central Horseshoe Bay

Under 183.0%
18 to 343.9%
35 to 6428%
65 and over65%
Race and ethnicity
White99%
Hispanic or Latino0.8%
Black0%
Asian0%
Other or more than one race0%

Shown for information only. It is never part of any grade.

Other neighborhoods in Horseshoe Bay

  1. 1BWest Horseshoe BayMedian rent $1,470
  2. 3C-Southeast Horseshoe BayMedian rent $1,440

Similar neighborhoods in other cities

Areas elsewhere in Texas with the closest mix of grades.

  1. CEast HitchcockHitchcock
  2. B+Ethan's GlenHouston
  3. B-Pirates CoveGalveston

Questions about Central Horseshoe Bay

Is Central Horseshoe Bay a good place to live?

Central Horseshoe Bay covers part of Horseshoe Bay, TX, home to about 1,400 people. It gets a C, around the middle of Texas neighborhoods, and ranks 2nd of 3 areas we score in Horseshoe Bay. It does best on jobs and income and worst on getting around.

How much does it cost to live in Central Horseshoe Bay?

Renters in Central Horseshoe Bay pay a median of $1,410 a month, 8% lower than the Horseshoe Bay median. The median home is worth $540,000, about the same as the Horseshoe Bay median. A median home costs 4.9x the median household income, compared with 5.7x across Horseshoe Bay.

What schools serve Central Horseshoe Bay?

The closest rated public schools are Highland Lakes Elementary (elementary, rated D), Marble Falls Middle (middle, rated C) and Marble Falls High School (high, rated B). School zones can differ from the closest school, so check with the district.

This area groups 1 Census block group in this part of Horseshoe Bay that have no neighborhood name on the map. Sources: US Census Bureau 2020-2024 ACS 5-year, CDC PLACES 2025, Texas Education Agency, FEMA National Risk Index, Overture Maps. How we grade.