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Lowest Mortgage Rate near Me, San Marcos, TX 78666


Safety and Crime Rates for ZIP Code 78666

The safety of a community is a fundamental concern for its residents and prospective newcomers. The ZIP Code 78666, encompassing parts of San Marcos and the surrounding areas in Texas, offers a diverse range of insights into its safety and crime rates. This report delves into various aspects of crime, including the overall crime rate, types of crimes, and important safety measures in place.

Overall Crime Rate

Residents of ZIP Code 78666 experience a crime rate that is slightly higher than the national average in the United States. The overall crime rate is calculated by considering both violent and property crimes per 1,000 residents. According to recent statistics, the total crime rate in 78666 stands at approximately 38.22 crimes per 1,000 residents. This metric provides a comprehensive understanding of the area’s safety profile.

Violent Crimes

Violent crimes are considered one of the most critical components when evaluating the safety of a community. In the ZIP Code 78666, the rate of violent crimes is reported to be around 4.50 incidents per 1,000 residents. Such crimes include:

  • Assault: 3.20 per 1,000 residents
  • Robbery: 0.80 per 1,000 residents
  • Murder: 0.20 per 1,000 residents
  • Rape: 0.30 per 1,000 residents

Property Crimes

Property crimes are more prevalent in ZIP Code 78666, contributing significantly to the overall crime rate. The property crime rate is about 33.72 per 1,000 residents, including:

  • Theft: 25.40 per 1,000 residents
  • Burglary: 6.70 per 1,000 residents
  • Vehicle Theft: 1.62 per 1,000 residents

Trends Over Time

Examining trends over time is crucial for understanding the dynamics of safety in a specific location. In ZIP Code 78666, data over the past five years indicates:

  • Overall crime rate has shown a modest decline of about 5%.
  • Violent crime rates have remained relatively stable.
  • Property crimes have decreased slightly, contributing to the overall drop in crime rate.

Safety Initiatives

Several safety initiatives and community programs help enhance the security of residents in ZIP Code 78666. These include:

  • Neighborhood Watch Programs: Active community involvement helps deter criminal activities.
  • Increased Police Patrols: Frequent patrolling in high-risk areas ensures a visible police presence.
  • Public Safety Campaigns: Educational initiatives to inform residents about personal safety measures and crime prevention tips.

Community Resources

Access to community resources is vital for maintaining safety and addressing crime-related issues. In 78666, residents can benefit from:

  • Local Police Department: Providing emergency response and law enforcement services.
  • Community Centers: Hosting safety workshops and community meetings.
  • Victim Support Services: Offering counseling and support to crime victims.


The ZIP Code 78666, like many communities, faces its share of crime-related challenges. With a slightly higher-than-average crime rate, both violent and property crimes are areas of concern. However, ongoing community efforts and structured safety initiatives play a significant role in enhancing the overall safety and well-being of residents. Continuous monitoring and community involvement are essential to ensuring a safer environment for everyone in the 78666 region.

Proximity to Essential Services in ZIP Code 78666

Healthcare Services

The 78666 ZIP code boasts a range of healthcare facilities, ensuring that residents have quick access to medical services. Notable healthcare providers in the area include Central Texas Medical Center and several urgent care clinics. Proximity to these facilities generally ranges from 1 to 5 miles, making healthcare accessible within a few minutes’ drive.

Educational Institutions

The 78666 ZIP code area is home to various educational institutions from primary to higher education. Key facilities include:

  • Texas State University: One of the largest universities in Texas, located centrally in San Marcos.
  • San Marcos High School: Situated approximately 2 miles from most residential areas.
  • Goodnight Middle School and multiple elementary schools provide comprehensive K-12 education.

Grocery Stores and Supermarkets

Residents in 78666 have access to a variety of grocery stores and supermarkets, ensuring fresh produce and everyday essentials are always close by:

  • HEB: Multiple locations within a 5-mile radius.
  • Walmart Supercenter: Located on the outskirts, roughly 3 miles from downtown San Marcos.
  • Local Farmers Markets: Held weekly, providing fresh, locally-sourced goods.

Public Safety Services

The ZIP code 78666 is well-served by public safety facilities. San Marcos Police Department and San Marcos Fire Department have several stations strategically located to provide rapid response times throughout the area. Emergency response times typically range from 3 to 10 minutes, ensuring community safety and support.

Public Transportation

The area enjoys a robust public transportation network, primarily serviced by the Capital Area Rural Transportation System (CARTS). Regular buses connect residents to key points within the ZIP code and beyond. Additionally, shuttle services for Texas State University offer convenient transit for students.

Parks and Recreational Areas

Residents of 78666 are never far from green spaces and recreational facilities. Popular spots include:

  • San Marcos River: A hub for outdoor activities, located centrally within the ZIP code.
  • Rio Vista Park: Featuring kayaking, tubing, and picnic areas, situated less than 2 miles from most neighborhoods.
  • Five Mile Dam Park: A larger park providing sports fields and trails, approximately 4 miles from downtown.

Shopping Centers and Retail Outlets

Shopping centers and retail outlets are plentiful in the 78666 area, providing residents with a variety of choices for all their shopping needs:

  • Tanger Outlets: A major shopping destination located about 6 miles south on I-35.
  • San Marcos Premium Outlets: Another large retail complex situated adjacent to the Tanger Outlets, offering major brand discounts.
  • Downtown San Marcos: Home to a variety of local boutiques, dining options, and entertainment.

Dining and Entertainment

The 78666 ZIP code features an eclectic mix of dining and entertainment options to cater to a variety of tastes and preferences:

  • Local Restaurants: Including renowned establishments like Gumbo’s North and Root Cellar Cafe.
  • Live Music Venues: Such as Cheatham Street Warehouse, which hosts live performances regularly.
  • Cinema and Theaters: Including the Starplex Movie Theater, offering the latest film releases.

Quality of Local Schools in ZIP Code 78666

Overview of School Ratings

The ZIP Code 78666 is served by a mix of public and private schools that have garnered various ratings based on state and national metrics. The schools in this area typically range from average to above-average ratings, reflecting their dedicated faculty, comprehensive curricula, and extracurricular opportunities.

Public Schools

Elementary Schools

Public elementary schools in ZIP Code 78666 often receive satisfactory ratings. Many institutions are noted for their focus on early childhood education, including foundational skills in literacy and numeracy.

  • Travis Elementary School: This school has earned praise for its strong community involvement and effective early learning programs.
  • Crockett Elementary School: Recognized for its dedicated teaching staff and innovative educational approaches.

Middle Schools

Middle schools in the ZIP Code 78666 area balance academic rigor with support for adolescent development, often achieving solid ratings in state assessments.

  • Goodnight Middle School: Known for its engaging curriculum and extensive extracurricular activities, this school frequently receives positive reviews from parents and students alike.
  • Miller Middle School: This institution is acclaimed for its commitment to academic excellence and student well-being.

High Schools

The ZIP Code 78666 boasts high schools with commendable performance in both academic and extracurricular domains. These schools are instrumental in preparing students for college and career readiness.

  • San Marcos High School: This high school is particularly noted for its robust Advanced Placement (AP) program and strong athletic teams.

Private Schools

Private schools in the area offer alternative educational approaches, including religious-based curriculum and unique pedagogical methods. These institutions often provide smaller class sizes and individualized attention.

St. Stephen’s Episcopal School

Emphasizing a holistic educational experience, St. Stephen’s is acclaimed for its rigorous academics and supportive community atmosphere.

Hill Country Christian School

Known for its strong moral and academic foundation, Hill Country Christian School integrates faith-based learning with exceptional academic standards.

Extracurricular Activities

Schools in ZIP Code 78666 offer a broad spectrum of extracurricular activities, catering to a diverse array of interests.

  • Sports Programs: Many schools have competitive sports teams that excel at district and state levels.
  • Arts and Music: Extensive programs in visual arts, music band, and theater provide students with ample opportunities to explore their creative talents.
  • STEM Clubs: Clubs focused on science, technology, engineering, and mathematics foster innovation and critical thinking among students.

Community and Parental Involvement

The quality of schools in ZIP Code 78666 is further enhanced by strong community and parental involvement. Various parent-teacher associations (PTAs) and community-sponsored events play a pivotal role in enriching the educational experience and fostering a supportive environment for students.


In summary, the local schools within ZIP Code 78666 provide a range of educational opportunities characterized by quality teaching, comprehensive curricula, and vibrant extracurricular programs. Community engagement and private schooling options further contribute to a diverse and supportive educational landscape.

Public Transportation Access for ZIP Code 78666


The ZIP Code 78666 primarily includes the city of San Marcos, Texas. This area benefits from various public transportation options provided by several local and regional transit services. Accessibility to these services can significantly impact the quality of life for residents, offering alternatives to personal vehicle use, reducing congestion, and promoting sustainable transportation.

Local Public Transit Services

San Marcos Transit

San Marcos Transit is the main public transportation provider in the city. It operates several bus routes that cater to both residents and visitors, covering key areas such as Downtown San Marcos, Texas State University (TSU), shopping districts, and residential neighborhoods.

  • Routes: The transit system includes a weekday and weekend service schedule with multiple routes connecting major points in the city.
  • Fare: Affordable fare options with discounts available for students, seniors, and people with disabilities.

Bobcat Shuttle

The Bobcat Shuttle is a transportation service provided by Texas State University, designed primarily for students, faculty, and staff, but it can be utilized by the broader community.

  • Routes: Focuses on campus loops, off-campus housing, and connections to San Marcos Transit.
  • Frequency: High-frequency service during peak school hours and reduced frequency during semester breaks.
  • Accessibility: Equipped with modern amenities and accessibility features.

Regional Public Transit Services

CartS Rural Transit District

The Capital Area Rural Transportation System (CARTS) provides regional transit services that connect San Marcos to other cities within Central Texas. It serves as a crucial link for residents needing to travel beyond the local area.

  • Routes: Inter-urban routes connecting San Marcos to Austin, Kyle, New Braunfels, and other neighboring areas.
  • Service Frequency: Operates on set schedules, typically running several times a day with more limited services on weekends.
  • Fare: Priced competitively with discounts available for regular commuters, seniors, and students.


Greyhound operates inter-city bus services with a stop in San Marcos, providing longer-distance travel options for residents looking to connect to other major cities across the United States.

  • Routes: Nationwide network with frequent connections to major hubs like Austin and San Antonio.
  • Booking: Tickets can be booked online or at the terminal, offering convenience and flexibility for travelers.

Accessibility Features

Public transportation services in ZIP Code 78666 are designed to be accessible to all users, including those with disabilities.

  • Accessible Vehicles: Most buses and shuttles are equipped with wheelchair lifts or ramps, along with priority seating for elderly and disabled passengers.
  • Audio-Visual Aids: Use of audio announcements and visual displays to assist passengers with visual or hearing impairments.

Points of Interest and Connectivity

San Marcos benefits from an integrated public transportation network, providing convenient access to key points of interest:

  • Texas State University: Extensive shuttle services connecting various parts of the campus and off-campus housing.
  • Downtown: Multiple bus stops facilitating easy access to dining, shopping, and cultural activities.
  • Outlet Malls: Direct routes available for shoppers wanting to visit the San Marcos Premium Outlets and Tanger Outlets.

Future Developments

The city of San Marcos is continuously working on improving its public transportation infrastructure, with plans for expanded routes, increased frequency, and enhanced facilities to meet the growing needs of its residents and visitors.

  • Upcoming Projects: Proposals for additional bus routes, upgrading existing stops, and incorporating more eco-friendly buses.
  • Community Involvement: Public consultations and feedback mechanisms to tailor services better to community needs.

Overall, ZIP Code 78666 offers robust and accessible public transportation options. The continuous improvement efforts aim to provide even better connectivity and convenience for all users.

Neighborhood Atmosphere in ZIP Code 78666

Overview of 78666

The ZIP Code 78666 encompasses a diverse area in San Marcos, Texas. Known for its vibrant community and dynamic atmosphere, this ZIP code area perfectly combines urban amenities with a laid-back lifestyle.

Community and Culture

Residents of 78666 enjoy a rich cultural scene backed by a strong community spirit. Home to Texas State University, the area has a youthful vibe, with numerous events, festivals, and activities throughout the year. The university brings a mix of students, educators, and staff who contribute to the area’s diversity and cultural richness.

“The cultural amalgamation in 78666 is astounding, with university influence bringing continuous vibrancy.”
— Local Resident

Recreational Opportunities

Outdoor enthusiasts in 78666 have ample opportunities to explore and engage in recreational activities. The San Marcos River offers activities such as kayaking, tubing, and fishing. Additionally, many parks and trails, including the popular Rio Vista Park, provide residents with beautiful natural sceneries and leisurely walking paths.

Shopping, Dining, and Entertainment

The neighborhood in 78666 is bursting with shopping, dining, and entertainment options. San Marcos Premium Outlets and Tanger Outlets are significant shopping destinations in the area, attracting visitors from all around. The local food scene features a mix of traditional Texan cuisine, trendy eateries, and cozy cafes. Residents and visitors alike can find entertainment in live music venues, theaters, and bustling nightlife.

Education and Schools

Education is a cornerstone of the 78666 community, driven by the presence of Texas State University. The area also boasts a range of excellent public and private schools, offering quality education to students at all levels. The university’s resources further enrich educational opportunities, providing local students with access to advanced learning tools and facilities.

Real Estate and Living

The real estate market in ZIP Code 78666 reflects its diverse population. A mix of historic homes, modern apartments, and suburban houses caters to varying tastes and budgets. The cost of living is moderate, with housing prices that appeal to both renters and homebuyers. Families, young professionals, and retirees can all find suitable living options within this vibrant community.

Transportation and Connectivity

Transportation in 78666 is well-facilitated with major highways like I-35 running through the area, providing easy access to Austin and San Antonio. Public transportation is available via local bus services, and the university offers shuttle services that benefit students and residents alike. Biking and walking are also popular modes of transport, especially within the university vicinity.

Safety and Healthcare

Safety is a priority for the community in 78666. The local police department actively works to maintain a secure environment, with initiatives to engage the community in safety programs. Healthcare services in the area are robust, with multiple clinics, specialist services, and hospitals such as CHRISTUS Santa Rosa Hospital ensuring comprehensive healthcare options.

Real Estate Market Trends for ZIP Code 78666

Current Market Overview

The real estate market in ZIP Code 78666, encompassing the city of San Marcos, Texas, has been experiencing a steady transformation. Known for its vibrant community and proximity to Texas State University, this area has become a hot spot for both residential and commercial real estate investments. Here, we delve deeper into the latest trends shaping the market.

Home Prices

Over the past year, home prices in 78666 have shown a significant upward trend. According to recent data, the median home price in this ZIP code is approximately $290,000, reflecting an increase of about 8% from the previous year. This increment is indicative of the growing demand for housing in this bustling college town.

Property Types

The market comprises a diverse mix of property types including single-family homes, townhouses, and multi-family apartment complexes. In particular:

  • Single-Family Homes: Dominant in suburban areas, these properties are highly sought after by families and professionals.
  • Townhouses: Popular among younger buyers and smaller families, townhouses provide a balanced mix of affordability and convenience.
  • Multi-Family Apartments: With the student population from Texas State University, multi-family units are increasingly popular and are seeing higher occupancy rates.

Inventory Levels

The current inventory levels in ZIP Code 78666 have been relatively tight. The region has approximately 3 months of housing inventory, which is below the national average, indicating a seller’s market where demand exceeds supply. Potential buyers often face stiff competition when making offers.

New Construction

New construction projects are underway to meet the growing demand. Developments include both residential and mixed-use properties, aimed at providing more housing options and balancing the supply chain. Prominent builders are focusing on creating affordable, yet modern, living spaces that cater to a wide array of preferences.

Rental Market

Renting remains a popular option in 78666 due to the transient student population. The median rent for a two-bedroom apartment stands at approximately $1,200 per month. The rental market has seen a steady increase in rates due to the high demand for proximity to the university and various amenities.

Occupancy Rates

Occupancy rates for rental properties remain high, often exceeding 95% for well-located units. Property owners and managers must keep abreast of maintenance and service standards to retain high occupancy and attract new tenants.

Commercial Real Estate

Commercial real estate is also a significant part of the market in ZIP Code 78666. The presence of a major university boosts the demand for retail spaces, offices, and hospitality services.

Retail and Office Spaces

New retail developments are focused on enhancing the shopping experience, with a mix of local boutiques and larger chain stores. Office spaces are being modernized to attract startups and established businesses seeking proximity to academic talent from Texas State University.

Market Predictions

Experts forecast a continued rise in home prices and rental rates in ZIP Code 78666. The market is expected to stay robust due to the following factors:

  • Ongoing demand from university students and staff
  • Continuous inflow of new residents attracted by the quality of life and economic opportunities
  • Expansion of new residential and commercial constructions


The real estate market in ZIP Code 78666 is experiencing dynamic changes characterized by rising home prices, low inventory levels, and high rental demand. These trends are driven by the unique blend of educational institutions, economic opportunities, and quality of life. For both investors and residents, staying informed about these trends is crucial for making well-informed real estate decisions.

Property Taxes in ZIP Code 78666

Overview of Property Taxes in 78666

Property taxes in ZIP Code 78666 are assessed by the local government to generate revenue for public services such as schools, road maintenance, and emergency services. The tax rate can vary based on a range of factors, including the assessed value of the property and the specific tax jurisdiction within this ZIP code.

Assessed Property Values

Property values in 78666 are determined by the Hays County Appraisal District. The appraised value is used as the basis for calculating the amount of property tax owed. Homeowners in this ZIP code can expect varying tax amounts based on the current market value assessment of their property.

Property Tax Rates

The property tax rate in ZIP Code 78666 is the sum of rates imposed by several taxing authorities, including Hays County, local school districts, city municipalities, and special purpose districts. Typically, these rates are expressed as a percentage of the property’s assessed value.

Hays County Property Tax Rate

The Hays County property tax rate is an essential component of the total tax rate. For the most accurate and current rates, homeowners should check the Hays County Tax Office’s official website.

School District Property Tax Rate

The school district tax rate significantly impacts the total property tax bill. In ZIP code 78666, the tax rates for local school districts such as San Marcos Consolidated Independent School District (SMCISD) can differ yearly based on the district’s budget and funding requirements.

Exemptions and Reductions

Property owners in 78666 may be eligible for various exemptions and reductions that can lower their property tax liabilities. Common exemptions include homestead exemptions, senior citizen exemptions, and exemptions for disabled individuals.

Homestead Exemption

Homeowners who use their property as their primary residence may qualify for the homestead exemption, reducing the taxable value of their home by a specified amount, thereby lowering the property taxes owed.

Senior Citizens and Disabled Individuals

Senior citizens aged 65 or older and disabled individuals may qualify for additional exemptions that further reduce their property tax burdens.

Paying Property Taxes

Property taxes in ZIP code 78666 are due annually. Property owners receive a tax bill from the Hays County Tax Office and can pay their taxes online, by mail, or in person. It is crucial to pay these taxes on time to avoid penalties and interest.

Tax Payment Methods

Various payment methods are available for ease and convenience, including:

  • Online Payments via the Hays County Tax Office website
  • Mailing a check or money order to the Hays County Tax Office
  • Paying in person at the Hays County Tax Office

Appealing Property Tax Assessments

If property owners believe their assessed property value is unfair or incorrect, they have the right to appeal the appraisal. The appeal process usually involves a formal hearing where the property owner can present evidence supporting their case for a lower assessment.

How to Appeal

To initiate an appeal, property owners should contact the Hays County Appraisal District and request the necessary forms. It is crucial to gather and present sufficient documentation, such as comparable property sales, to support the appeal.

Resources and Contact Information

For more information about property taxes in ZIP code 78666, property owners can reach out to the following organizations:

Community Amenities in ZIP Code 78666

Parks and Recreation

Residents of ZIP Code 78666 have access to numerous parks and recreational facilities, making it a perfect place for outdoor enthusiasts. Some notable parks include:

  • San Marcos Plaza Park: This park features a scenic riverfront, picnic areas, and amphitheater. Ideal for family outings and community events.
  • Rio Vista Park: A hotspot for water activities like kayaking and tubing, with ample green spaces for leisure.
  • Ramon Lucio Park: Known for its beautiful walking trails and sports facilities, including baseball fields and a soccer complex.

Educational Institutions

The ZIP Code 78666 is home to various well-regarded educational institutions:

  • Texas State University: A large, public research university offering a wide range of undergraduate and graduate programs.
  • San Marcos High School: Part of the San Marcos Consolidated Independent School District, known for its excellent academic and athletic programs.
  • Crockett Elementary School: Provides a strong foundation in early childhood education with a focus on community involvement.

Shopping and Dining

Residents in 78666 enjoy diverse shopping and dining options that cater to various tastes and preferences:

  • Tanger Outlets San Marcos: A major shopping destination offering numerous brand-name and designer outlet stores.
  • San Marcos Premium Outlets: Houses a wide array of retailers, an excellent choice for all shoppers.
  • Downtown San Marcos: This area features eclectic dining options, from fine dining to casual eateries, offering local and international cuisine.

Healthcare Facilities

The ZIP Code 78666 area is well-served by advanced healthcare facilities and services:

  • Central Texas Medical Center: A comprehensive healthcare facility providing emergency services, surgical care, and specialized treatments.
  • Live Oak Health Partners: Offers primary care, pediatrics, and specialty services to the community.
  • San Marcos Family Medicine: Focuses on family care with numerous services including preventive and chronic care management.

Community Events

ZIP Code 78666 hosts a variety of community events that bring residents together throughout the year:

  • Sights and Sounds of Christmas: An annual holiday festival featuring lights, music, and family-friendly activities.
  • Summer in the Park: A series of free concerts held at San Marcos Plaza Park, showcasing local and regional musicians.
  • San Marcos Farmer’s Market: A weekly event where residents can purchase fresh produce, local goods, and crafts.

Transportation and Accessibility

The area of ZIP Code 78666 is well-connected through various transportation options:

  • San Marcos Station: Provides Amtrak services that link the community to major cities in Texas and beyond.
  • Capital Area Rural Transportation System (CARTS): Offers public transit services within San Marcos and surrounding areas.
  • Easy Access to I-35: Provides convenient travel to Austin, San Antonio, and other major cities.

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