CALCMONEY // MORTGAGE // TX // AUSTIN // 78746
ZIP CODE ANALYSISHyper-local mortgage data for ZIP 78746 in Austin, TX. This is a high-net-worth enclave — most purchases require jumbo financing.
$1,800,000
$1,440,000
$12,859
$551,093/yr
| Down Payment | Home Price | Loan Amount | Monthly P&I | Total Monthly | Rate |
|---|---|---|---|---|---|
| 10% Down | $1,800,000 | $1,620,000 | $10,669 | $14,044 | 6.9% |
| 20% Down | $1,800,000 | $1,440,000 | $9,484 | $12,859 | 6.9% |
| 25% Down | $1,800,000 | $1,350,000 | $8,891 | $12,266 | 6.9% |
Total monthly includes principal & interest, property tax (1.85% annual), and estimated homeowners insurance. PMI not included.
West Lake Hills (ZIP 78746) sits within Austin, Texas with a median home price of $1,800,000 — significantly above the Austin city-wide median of $490,000. At 80% LTV, the typical loan amount of $1,440,000 exceeds the 2026 conforming loan limit of $766,550, placing most purchases in jumbo territory. Jumbo loans typically require stronger credit scores, larger reserves, and may carry slightly different rate pricing.
Property taxes in ZIP 78746 run 1.85% annually, adding $2,775 per month on the median home. Median household income in this neighborhood is approximately $185,000, placing the price-to-income ratio at 9.7x. Texas has no state income tax, giving buyers here more purchasing power relative to equivalent salaries in income-tax states.