The Town FilesHorseshoe Bay, Texas
City in Llano County · population 4,257 (2020 Census) · spans 2 counties
- Median home
- $549,800
- Household income
- $96,794
- Jan low / Jul high
- 38° / 95°
- Snow a year
- 0 in
- Tornadoes ≤10 mi since 1950
- 14
- Median age
- 64.6
Horseshoe Bay is a city of 4,257 people in Llano County, Texas. The median home is worth $549,800, above the typical Texas town ($184,100). It ranks better for a vacation home than 98% of Texas towns, quieter than 95% of Texas towns, better for retirees than 92% of Texas towns.
How Horseshoe Bay ranks
Percentile among Texas towns with at least 500 people on The Town Files lifestyle rankings. 50 is typical for the state; 90 means better than 90% of Texas towns.
Homes and cost of living
The median home in Horseshoe Bay is worth $549,800, above the typical Texas town ($184,100). Homes cost about 5.7 times the median household income of $96,794, which is more affordable than 4% of Texas towns. Median rent is $1,536 a month. 80.6% of households own their home.
| Housing | Horseshoe Bay | Typical Texas town |
|---|---|---|
| Median home value | $549,800 | $184,100 |
| Median rent | $1,536 | $1,086 |
| Median household income | $96,794 | $65,842 |
| Home value ÷ income | 5.7× | 2.9× |
| Homeownership | 80.6% | 72.9% |
| Median year built | 1995 | 1985 |
| Seasonal / vacation homes | 27.5% | — |
Who lives in Horseshoe Bay
| People | Horseshoe Bay | Typical Texas town |
|---|---|---|
| Median age | 64.6 | 37.1 |
| Age 65 and over | 48.2% | 15.6% |
| Under 18 | 9.9% | — |
| Bachelor's degree or higher | 51.3% | 18.9% |
| Below the poverty line | 4.3% | 13.1% |
| Veterans | 13.4% | — |
| Born outside the U.S. | 2.9% | — |
| Work from home | 20.8% | 7.8% |
| Average commute | 22.0 min | 26.1 min |
| Homes with broadband | 93.8% | 89.2% |
Weather in Horseshoe Bay
July highs average 95.0°F and January lows 38.1°F. About 28.4 inches of rain and melted snow fall a year, with 0.1 inches of snow (typical Texas town: 0.2 in). Expect about 103 days a year at 90°F or hotter and 26 nights at or below freezing.
Tornadoes, storms and disasters
14 tornadoes have passed within 10 miles of Horseshoe Bay since 1950, compared with 21 for the typical Texas town. 3 rated (E)F2 or stronger. The strongest, an F3, struck on May 13, 1994 about 6.9 miles from the town center. The most recent was on April 12, 2020.
Hail of 1 inch or larger has been reported within 10 miles 78 times; the largest was 2.75 inches on April 9, 2024.
Severe weather in Llano County since 1996
Llano County has been included in 17 federal disaster or emergency declarations since 1953, most often for fire, flood, drought.
| Declared | Incident | Declaration |
|---|---|---|
| July 6, 2025 | Flood | DR-4879: Severe Storms, Straight-Line Winds, And Flooding |
| February 19, 2021 | Severe Ice Storm | DR-4586: Severe Winter Storms |
| February 14, 2021 | Severe Ice Storm | EM-3554: Severe Winter Storm |
| March 25, 2020 | Biological | DR-4485: Covid-19 Pandemic |
| March 13, 2020 | Biological | EM-3458: Covid-19 |
Jobs and pay in Llano County
Llano County had 5,656 jobs in 2024, paying an average of $50,825 a year. Unemployment was 3.6% in 2023; in Horseshoe Bay itself the ACS puts it at 2.9%.
Towns near Horseshoe Bay
- Granite Shoals, TX3.4 mi · 5,129 people · home $259,800
- Marble Falls, TX6.3 mi · 7,037 people · home $338,800
- Kingsland, TX9.7 mi · 7,028 people · home $230,700
- Burnet, TX16.8 mi · 6,436 people · home $277,400
- Llano, TX22.8 mi · 3,325 people · home $234,100
- Lago Vista, TX24.0 mi · 8,896 people · home $420,000
- Lakeway, TX26.8 mi · 19,189 people · home $841,300
- The Hills, TX27.0 mi · 2,613 people · home $846,000
Horseshoe Bay questions
Is Horseshoe Bay, Texas a good place to retire?
On The Town Files lifestyle rankings, Horseshoe Bay scores better for retirees than 92% of Texas towns and quieter than 95%. 48.2% of residents are 65 or older (median age 64.6).
How much does a house cost in Horseshoe Bay?
The median owner-occupied home in Horseshoe Bay is valued at $549,800 (Census ACS 2020–2024), against a median household income of $96,794, so homes cost about 5.7 times income. Median rent is $1,536 a month.
What is the weather like in Horseshoe Bay?
July highs average 95.0°F and January lows 38.1°F (NOAA 1991–2020 normals). It gets about 28.4 inches of precipitation a year and 0.1 inches of snow.
Does Horseshoe Bay get tornadoes?
14 tornadoes have passed within 10 miles of Horseshoe Bay since 1950 (NOAA Storm Events); the strongest was a F3 on May 13, 1994. The typical Texas town has had 21.
- U.S. Census Bureau, American Community Survey 5-year estimates (2020–2024)
- U.S. Census Bureau, 2020 Census and 2025 Gazetteer (2020 / 2025)
- NOAA NCEI U.S. Climate Normals (1991–2020)
- NOAA NCEI Storm Events Database (1950–2026)
- FEMA OpenFEMA Disaster Declarations (this product uses the FEMA OpenFEMA API but is not endorsed by FEMA) (1953–2026)
- NCES Common Core of Data (2023–24)
- BLS Quarterly Census of Employment and Wages; USDA ERS county unemployment (BLS LAUS) (2000–2024)
- The Town Files lifestyle rankings, built from federal demographic, school, crime and housing data (2025)