HousingHandbookReference data

U.S. ZIP Code · TX78045

Webb County · Laredo, TX

Typical home value

$294,097[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+3.5%
5-year / yr
+3.6%
10-year / yr
+4.0%

Relative price

vs U.S.
+3.5%
vs metro
+51.0%
vs state
+12.4%
ZIP 78045 location in TX
Location of ZIP 78045 in TX

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 78045 is worth $294,097 — 51.0% above the Laredo, TX median. Over the past year, values have risen 3.5%. Homes here rent for a typical $1,397 a month — a 5.7% gross rental yield. The effective property tax rate is 1.6%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,397[2]
Gross yield
5.7%[2]
Cap rate
3.4%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.6%[3]
Typical annual tax
$4,817[3]

#Climate risk

FEMA National Risk Index ratings for Webb County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Not Applicable
Wildfire
Relatively Low
Drought
Relatively Low
Heat wave
Relatively High
Hurricane
Relatively Moderate
Tornado
Relatively Moderate
Earthquake
Very Low
Winter weather
Relatively Moderate

#Who lives here

Population
67,333[3]
Median household income
$90,608[3]

#Migration

Household moves in and out of Webb County over a year, from IRS tax-return data.

Net migration
-1,148[5]
Moved in
2,258
Moved out
3,406

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
16
Elementary
10
Middle
5
High
1
  • UNITED H S

    High · Grades 9–12 · UNITED ISD

    3,567 students

  • GEORGE WASHINGTON MIDDLE

    Middle · Grades 6–8 · UNITED ISD

    1,093 students

  • ELIAS HERRERA MIDDLE

    Middle · Grades 6–8 · UNITED ISD

    1,055 students

  • UNITED MIDDLE

    Middle · Grades 6–8 · UNITED ISD

    999 students

  • COL SANTOS BENAVIDES EL

    Elementary · Grades PK–5 · UNITED ISD

    827 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield5.7%
Net yield (after ~40% expenses)3.4%
Annual rent$16,768

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,487
Loan principal$235,278
Down payment$58,819
Total interest paid$300,084

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.53
Monthly cost to own$2,134
Monthly rent$1,397

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
100th percentile[1]
Rental yield
0th percentile[2]
Property tax
75th percentile[3]

Frequently asked

How much is a home worth in ZIP code 78045?
The typical home in 78045 is worth $294,097, based on the Zillow Home Value Index.
Are home values rising in 78045?
Home values in 78045 are up 3.5% over the past year, and up 3.6% a year over five years.
What is the typical rent in 78045?
A typical home in 78045 rents for about $1,397 a month, a gross rental yield of 5.7%.
What is the property tax rate in 78045?
The effective property tax rate in 78045 is 1.6% — roughly $4,817 a year on a typical home.
Who lives in 78045?
ZIP code 78045 has a population of 67,333 and a median household income of $90,608.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Laredo, TX

    Typical home
    $246,893
    Gross yield
  • Laredo, TX

    Typical home
    $194,737
    Gross yield
  • Laredo, TX

    Typical home
    $184,285
    Gross yield
    7.5%
  • Laredo, TX

    Typical home
    $141,743
    Gross yield

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