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Place dossier plate
SheetTX-HORSESHOE-BAY-TX · Horseshoe Bay, TX 4,534 pop · income 81st pct · 4 tracts
Instrument codes from this place’s ACS population and household income, BEA state COL, FBI safety, national income percentile, photo-finish peer city, home-value band, and matched Census-tract book - not a moving recommendation.
Income neighbourhood around Horseshoe Bay
Lowest/highest poles plus peers nearest Horseshoe Bay on median household income. Full ladder: /browse and /rankings.
median HH income
Hearne · lowest
30,938
Hearne · lowest
30,938 median HH income
12.4% of the leader · rank #1
Kensington · near
105,000
Kensington · near
105,000 median HH income
42.0% of the leader · rank #2
Hopewell · near
105,000
Hopewell · near
105,000 median HH income
42.0% of the leader · rank #3
Clear Lake · near
105,000
Clear Lake · near
105,000 median HH income
42.0% of the leader · rank #4
Tigard · near
105,008
Tigard · near
105,008 median HH income
42.0% of the leader · rank #5
Horseshoe Bay · this city
105,024
Horseshoe Bay · this city
105,024 median HH income
42.0% of the leader · rank #6
Mountain Lakes · highest
250,001
Mountain Lakes · highest
250,001 median HH income
100.0% of the leader · rank #7
What this shows Neighbourhood peers only - not a full nationwide city board. Open a near peer when the gap is small; open the poles when the spread is wide.
Compare beyond this state
Nationwide peers by population, income, and FBI crime rate
Out-of-state nearest neighbors for Horseshoe Bay on ACS population and median household income
, plus FBI UCR reporting rate when the extract covers this place. Link sets are deduped so each column is a distinct comparison path, not a forecast that peers share a labor market or climate.
Similar population
Nearest out-of-state cities by ACS population. This city: 4,534.
Agency-reported UCR totals per 100,000 population, not a neighborhood safety grade or a prediction of personal risk.
Horseshoe Bay - the verdict
Nationally, Horseshoe Bay sits in the 81st percentile for household income and the 71st percentile for safety among US cities with a population of 1,000 or more. Source: Census ACS + FBI UCR.
81st
percentile, household income
84th
percentile, home value
40th
percentile, median rent
71st
percentile, safety
📝 How we sourced this
Population, income, and housing-cost figures come from the U.S. Census Bureau American Community Survey 5-year estimates (B-series tables). Crime data uses FBI UCR; climate uses NOAA Climate Normals; school counts come from NCES Common Core of Data; permits use the Census Building Permits Survey (BPS). See our methodology page for the full ETL pipeline and OMB / FIPS join keys.
Data Snapshot: Horseshoe Bay, TX
Texas's Horseshoe Bay is a small town, with 4,534 residents per the latest Census Bureau ACS figures. Horseshoe Bay households earn a median of $105,024 annually, placing it in the top quartile of U.S. cities for household income, with a poverty rate of 3.0%. Typical homes in Horseshoe Bay are valued around $489,100, and the median resident age is 64.6 years. About 53.8% of adults hold a bachelor's degree or higher, while 41.2% of working-age residents are in the labor force.
In 2024, 104 residential building permits were authorized in Horseshoe Bay (Growing), up 13% from five years earlier, per Census BPS data. Horseshoe Bay reports a comparatively low crime rate: per-100,000 total crime stands at 822.3 in FBI UCR data, below the national average (a voluntary reporting program, read this as reporting activity, not a definitive danger score).
Texas tracks close to the national cost-of-living baseline: on BEA's 100-equals-national-average cost index, Texas scores 97.1 (Near Average), per the 2024 Regional Price Parities release. A typical two-bedroom carries a HUD Fair Market Rent of $1,149 per month statewide. EIA 2023 residential energy data puts Texas's average monthly utility costs around $223 (state average). On FEMA's National Risk Index, this area rates 49.0 out of 100 for natural-hazard exposure (Low).
A decision-led reading path
Useful questions to ask of Horseshoe Bay's data
How this reading path is ordered
This is not a composite city score. It is a city-specific route through the available public records, ordered for this profile so the page starts with questions the joined data can actually answer. The route here runs from reported crime to housing and income to comparison shortlist to population change to within-city variation to work and mobility; another city can have a different sequence or fewer supported layers because the source joins are not uniform.
For Horseshoe Bay, city-specific coverage includes FBI reported-crime rates, annual population history, within-city Census tract profiles, local building permits, commute-mode shares.
No matched row is reported here for matched public-school count; the page leaves those layers out instead of substituting a statewide or national value.
1. Reported crime
What can the FBI record say about safety in Horseshoe Bay?
Treat this as a reporting-rate comparison, not a prediction of personal risk or a neighborhood-level safety grade. Tourism, daytime population, reporting practices, and variation inside the city are not adjusted away. The state rank and same-state peer table are the narrower comparisons available on this page.
The joined FBI UCR record reports 822.3 violent and property crimes per 100,000 residents, below the 2280.5 national reference used here. The difference is 64% lower in arithmetic terms, but agency participation is voluntary and reporting completeness varies.
How far does income reach against housing in Horseshoe Bay?
The home-value-to-income reference is comparatively stretched: the ACS median home value is 4.7 times median household income. The ACS poverty estimate is 3.0%, which keeps the citywide median from describing every household.
This is a citywide price-to-income reference, not a mortgage-affordability test; it does not include interest rates, taxes, insurance, household size, or an individual buyer's down payment. Housing value is high relative to the citywide income median. That flags a question for comparison, not a verdict: tenure, household composition, financing costs, and the age of the ACS estimate can all change what a resident actually pays.
Which cities make useful reference points for Horseshoe Bay?
Within Texas, the closest population matches are Diboll (4,531 residents, $55,326 income); Hearne (4,529 residents, $30,938 income); Potosi (4,524 residents, $113,340 income). Outside the state, the closest population matches in this dataset are Jim Thorpe, PA (4,534 residents); Mountain Lakes, NJ (4,535 residents); Maeser, UT (4,533 residents). A third, income-matched reference set of 6 out-of-state cities sits in the income neighbourhood chart near the Place Dossier plate. These are mechanical peer sets, not claims that the places share a labor market, climate, culture, or metro context.
Use the in-state set to hold state policy and broad price conditions more nearly constant. Use the nationwide size set to ask whether cities with a similar resident count produce different housing, income, or commute outcomes. The income set is a third lens, deliberately separate from population matching. The nationwide peer panel below adds a fourth FBI UCR reporting-rate lens, not personal risk.
What can 4 Census tracts reveal inside Horseshoe Bay?
That layer breaks the citywide income, rent, and home-value medians into smaller Census geographies, which can reveal differences that one municipal median necessarily hides. A tract is a statistical area, not a locally defined neighborhood or a promise about conditions on a particular block. Start with the city profile for the broad comparison, then use the tract layer to test whether the same housing and income pattern is consistent across the city. Large within-city spreads are a reason to avoid treating any citywide median as a universal resident experience.
These joined records add useful context, but they do not need another full-size panel. Each remains a separate measure with its own geography and source boundary.
Population change
Is Horseshoe Bay growing, shrinking, or holding steady?
Recent estimates point upward. Growth can increase housing demand and service needs, but the permit record must move in the same direction before calling it a supply response; the two series measure different things.
Census PEP estimates show the population grew by +1,054 residents from 2020 to 2025, a +24.6% change. Separately, Census BPS recorded 104 housing units authorized in 2024. PEP and ACS are different Census series, so the trend is kept separate from the headline ACS population.
Period change
+24.6%
2025 estimate
5,339
2020 estimate
4,285
Census Population Estimates Program, 2020–2025; permit context uses Census BPS.
What does the journey to work look like in Horseshoe Bay?
Mode share answers how workers usually travel; it does not measure congestion, reliability, distance to a particular job, or the quality of transit service. Remote work has a visible role in the local pattern. That can reduce commute exposure for some workers, but it says nothing about job availability or broadband quality; read it alongside income and housing rather than as a stand-alone lifestyle score.
Driving alone is the largest reported mode at 65.9%. A reliable mean commute time is not available for this row, so the mode shares carry the comparison.
Public transit
0.0%
Work from home
22.4%
Drive alone
65.9%
City-level Census ACS commuting estimates covering 1,652 workers age 16+.
Comparative score against U.S. cities with population of 1,000 or more on Census ACS medians
(income, poverty, bachelor's share, cost of living) and FBI UCR violent-crime rates when
published. Higher means a stronger standing on those published figures, not a livability
rating, not a recommendation to move, buy, or pick a "best" city. Missing inputs drop out
and redistribute weight.
How it is calculated.
Bachelor's+ share A
53.8%
Adults with a bachelor's degree or higher; ACS.
Violent crime A
37 /100k
FBI UCR violent offenses per 100,000 residents; lower is stronger on this axis.
Household income B+
$105,024
Median household income vs U.S. cities (pop ≥1,000); ACS.
Poverty rate B+
3.0%
Share of residents below the poverty line; lower scores better on this axis.
Cost of living C-
97.1 index
BEA state Regional Price Parities index (100 ≈ national average); lower is stronger on this axis. Same value for every city in the state.
Horseshoe Bay profile (scored ACS/FBI dimensions)Read the chart values
Bachelor's+ share: 87/100 (A) · 53.8%
Violent crime: 87/100 (A) · 37 /100k
Household income: 79/100 (B+) · $105,024
Poverty rate: 79/100 (B+) · 3.0%
Cost of living: 53/100 (C-) · 97.1 index
Where Horseshoe Bay sits on home value vs crime among peer cities
Horseshoe Bay's median home value and FBI crime rate plotted with similar-size and
same-state peers (padded with large cities when the peer set is thin). The second
read: pricey does not always mean safer, check which quadrant this city lands in.
Census ACS median home value vs FBI UCR crime rate - Horseshoe Bay highlighted among 8 peers.Read the chart values
Horseshoe Bay, TX (this city): home $489,100, crime 822/100k
Jim Thorpe, PA : home $177,400, crime 1,124/100k
Fremont, MI : home $169,500, crime 2,554/100k
Mount Vernon, MO : home $175,000, crime 1,829/100k
Holly Ridge, NC : home $291,100, crime 887/100k
Diboll, TX : home $82,400, crime 1,134/100k
Hearne, TX : home $90,200, crime 772/100k
Madisonville, TX : home $109,500, crime 943/100k
How does Horseshoe Bay compare to other US cities?
Here's how Horseshoe Bay stacks up against the full field of US cities (population 1,000+), computed live from Census and FBI data.
Household income81% higher than other cities
Home value84% pricier than other cities
Median rent40% pricier than other cities
Safety71% safer than other cities
"Safer than" reflects total crime rate from FBI UCR; the others use Census ACS estimates.
Zoom in to just Texas and the picture shifts: Horseshoe Bay ranks #188 of 624 Texas cities by lowest crime rate, a different read than the national percentile above.
How we calculate these percentiles & ranks
Each percentile compares Horseshoe Bay against every qualifying US city; each in-state rank narrows that to Texas only. Full formula and direction notes: methodology.
Texas-relative analysis
Median Gross Rent places Horseshoe Bay near the bottom of Texas's cities
Among the 1,663 Texas cities PlainCities tracks with reported median gross rent data, Horseshoe Bay ranks #1 - the 0th percentile within the state. This is a different, narrower cut than the nationwide percentiles above: it compares Horseshoe Bay only against its own state's cities, not the full US field.
Median Household Income
#224 of 1,520
85th percentile in Texas
Median Gross Rent
#1 of 1,663
0th percentile in Texas
Median Home Value
#84 of 1,505
94th percentile in Texas
Poverty Rate
#1,277 of 1,663
23rd percentile in Texas
Bachelor's Degree or Higher
#104 of 1,663
94th percentile in Texas
How in-state ranks are ordered
Ranked by raw value (highest first); a higher rank is not automatically "better" for every measure, see each metric's own context above. This is a comparison within Texas only, not a livability score. See the methodology for the source and calculation.
Gauge source note
81st percentile nationally for median household income · 71st percentile for safety (lower crime rate). Source: Census ACS 2023 / FBI UCR 2023.
Horseshoe Bay's profile vs. every US city
Income, affordability, and safety percentile
Horseshoe Bay's percentile rank on 3 favorable-direction measures (income, affordability, safety) vs. every tracked US city -- higher on every axis is more favorable. Not a composite quality score, just the arithmetic mean of the axes shown.
How Horseshoe Bay's home value compares nationally
Median home value vs. every US city (population 1,000+)
$489,10016th percentilemore affordable than 16% of 15,600 US cities
Show national distribution
Each bar is a $25K-wide band; taller bars hold more US cities. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau ACS 5-Year Estimates · 2023
Horseshoe Bay's home-value-to-income ratio: 4.7×
ACS median home value divided by median household income.
Band
moderate
3.0–5.0×
National rank
#12,295 of 15,516
More affordable than 21% of tracked cities (pop. 1,000+)
Size class
#9,373 of 11,323
Micro cities (under 10,000)
At 4.7×, Horseshoe Bay sits in the moderate band:
national rank #12,295 of 15,516 and #9,373 of 11,323micro cities (under 10,000).
Income and home value move in the same broad scale; check same-state peers before treating the multiple as an advantage or a warning.
How this ratio is calculated
Ratio = Census ACS 2023 median home value ÷ median household income for cities with both fields and population ≥ 1,000.
Rank 1 = lowest ratio (most compact). Bands match the fleet affordability thresholds used on guides (<3.0 / 3.0–5.0 / >5.0).
This is not a mortgage payment estimate and does not include rates, taxes, insurance, or down payment.
Income distribution context
$105,024Horseshoe Bay, TX median household income (Census ACS)
Show U.S. national quintile / Lorenz context Horseshoe Bay, TX median household income (Census ACS 5-year) with U.S. national quintile shares for context. Diagonal = equality; the curve is national, not computed for Horseshoe Bay, TX.
Key socioeconomic indicators
Bachelor's degree or higher (adults 25+)53.8%
Census ACS S1501, educational attainment
Poverty rate (households below FPL)3.0%
Census ACS S1701, poverty status
Labor force participation (adults 16+)41.2%
Census ACS S2301, share of working-age residents in the labor force
Population
4,534
Median Income
$105,024
Median Home Value
$489,100
Median Age
64.6
Poverty Rate
3.0%
Labor force participation
41.2%
Bachelor's Degree+
53.8%
Safety & Crime
Total Crime Rate
822.3
per 100,000 residents
Violent Crime
37.4
per 100,000 residents
Property Crime
784.9
per 100,000 residents
Crime reporting caveat
Reflects incidents reported to the FBI's Uniform Crime Reporting program — agency participation is voluntary and reporting completeness varies by jurisdiction and year, so this reflects reporting activity, not a definitive danger score. Not adjusted for tourism, commuter, or daytime population.
Population Change
PEP vintage
Annual U.S. Census Bureau Population Estimates Program (PEP) estimates, 2020–2025
Horseshoe Bay's Census PEP population estimates, 2020–2025.Read the chart as text
Period
Population
2020
4,285 residents
2021
4,493 residents
2022
4,807 residents
2023
5,097 residents
2024
5,241 residents
2025
5,339 residents
Housing Supply
BPS source
Census Bureau Building Permits Survey (BPS) - annual residential permits authorized
🏗️ Growing
Total Permits (2024)
104
housing units authorized
Single-Family
104
detached homes
Multifamily
0
apartments & condos
Supply Intensity
22.9
permits per 1,000 residents
5-Year Permit Trend (2019–2024)
Year
Total
Single-Family
Multifamily
Est. Value
2019
92
90
2
$18.6M
2020
114
102
12
$22.3M
2021
206
193
13
$43.2M
2022
231
225
6
$57.6M
2023
127
119
8
$34.2M
2024
104
104
0
$31.5M
Permit volume increased 13% from 2019 to 2024.
Commute Patterns
Commute source
How workers travel to work, Census ACS 2023
Drive Alone
65.9%
Carpool
8.2%
Public Transit
0.0%
Walk
0.0%
Work from Home
22.4%
Other
3.5%
Based on 1,652 workers 16 and over.
Monthly Utility Costs
Texas statewide monthly utility average (EIA 2023): $223
EIA 2023 residential energy data puts average monthly utilities across Texas at $223 (electricity about $130 , water and sewer about $48 ).
These are Texas statewide averages, not a meter reading for Horseshoe Bay. Actual bills vary by home size, usage, and local rates. Source: U.S. Energy Information Administration (EIA) 2023.
Living Costs & Risk
Texas's BEA cost-of-living index is 97.1 (Near Average; US average = 100, RPP 2024). HUD Fair Market Rent for a typical two-bedroom in the county around Horseshoe Bay is $1,149/mo. FEMA's National Risk Index, averaged to Texas statewide on PlainCities, rates natural-hazard exposure at 49.0 / 100 (Low).
Cost/risk geography note
Cost of living is a Texas statewide BEA average; rent is a county-level HUD Fair Market Rent for the county Horseshoe Bay sits in; the FEMA hazard score shown here is a statewide average of county NRI inputs, not a parcel-level reading.
How Horseshoe Bay compares to similar-size Texas cities
Same-state peer method
Closest same-state population matches, not geographic neighbors. Population + median household income come from Census Bureau ACS 5-year B01001 and B19013.
Source: U.S. Census Bureau ACS 5-Year 2023, FBI UCR, Census BPS 2024, Census ACS B08301/B08136, U.S. Energy Information Administration (EIA) 2023, BEA Regional Price Parities 2024, HUD Fair Market Rents 2026, FEMA National Risk Index.