HomeTexasLlano CountyHorseshoe Bay
Horseshoe Bay, Texas: commercial real estate data.
Horseshoe Bay is a Census city of 4,854 people across 14.33 square miles of land, lying across Llano County and Burnet County. Median household income is $96,794, 80.6 percent of occupied homes are owned, and the SBA record carries 7 7(a) approvals to borrowers here worth $4.1 m since FY2020.
Underlined figures are computed by MMCG Analytics, not published by the agency.
Horseshoe Bay
What Horseshoe Bay is
- Census place typecity
- Land area14.33 sq mi
- Water area2.26 sq mi
- Population per square mile of land339
- County holding the largest share of its areaLlano County, 86.7 percent
- Counties this place lies inLlano County 86.7 percent, Burnet County 13.3 percent
Horseshoe Bay crosses a county line. The split above is measured from the Census boundary of the place against the county boundaries, by area, so it says where the ground is and not where the town hall is.
US Census Bureau, cartographic boundary file, places, 2024 vintage. US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horseshoe Bay
How many people live in Horseshoe Bay
- Population4,854
- Median age64.6
- Population under 18481 plus or minus 144
- Share under 189.9 percent plus or minus 2.9
- Population 65 and over2,338
- Share 65 and over48.2 percent
- Households2,525
- Family households1,602
- Share of households that are families63.4 percent
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horseshoe Bay
Income and work in Horseshoe Bay
- Median household income$96,794 plus or minus $21,916
- Per capita income$86,908
- Civilian labor force1,940
- Employed1,884
- Unemployed56 plus or minus 60
- Unemployment rate2.9 percent plus or minus 3.1
- Adults 25 and over4,278
- Adults 25 and over with a high school diploma or higher98.0 percent
- Adults 25 and over with a bachelor degree or higher51.3 percent
- Adults 25 and over with a graduate degree15.3 percent plus or minus 3.7
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horseshoe Bay
Housing in Horseshoe Bay
- Housing units3,851
- Occupied units2,525
- Vacant units1,326
- Vacancy rate34.4 percent
- Owner occupied2,035
- Renter occupied490 plus or minus 149
- Ownership rate80.6 percent
- Median owner-occupied home value$549,800 plus or minus $116,661
- Median gross rent, monthly$1,536
- Annual rent as a share of median income19.0 percent plus or minus 5.0
- Single family units2,977
- Share single family77.3 percent
- Units in buildings of two or more669 plus or minus 203
- Share in buildings of two or more17.4 percent plus or minus 5.1
- Mobile homes205 plus or minus 104
- Median year structure built1995
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horseshoe Bay
How Horseshoe Bay gets to work
- Workers 16 and over who commute1,478
- Commuting under 15 minutes497 plus or minus 176
- Share commuting under 15 minutes33.6 percent plus or minus 10.3
- Commuting 30 minutes or more399 plus or minus 165
- Share commuting 30 minutes or more27.0 percent plus or minus 10.1
- Drove alone62.8 percent
- Carpooled12.8 percent plus or minus 6.9
- Public transport0.0 percent
- Walked0.0 percent
- Worked from home20.8 percent plus or minus 6.0
US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
Horseshoe Bay
SBA loans in Horseshoe Bay (7(a))
- Approvals7
- Gross approval$4,144,300
- Average approval$592,043
- Median approval$620,200
- Largest approval$1,120,000
- Jobs supported32
- Jobs per approval4.6
- Loans with a final outcome1
- Paid in full1
- Charged off0
- Median term120 months
- Share on real estate terms of 20 years or more0.0 percent
- Share to franchises28.6 percent
- Distinct lenders6
- Distinct industries by NAICS6
Counted by borrower city: approvals to borrowers whose address is in Horseshoe Bay, in any county, FY2020 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 7(a) FOIA release, FY2020 to FY2026 year to date, as of 2026-06-30.
Horseshoe Bay
SBA loans in Horseshoe Bay (504)
- Approvals3
- Gross approval$1,410,000
- Average approval$470,000
- Median approval$314,000
- Largest approval$845,000
- Jobs supported11
- Loans with a final outcome1
- Charged off0
- Median term300 months
- Distinct CDCs2
Counted by borrower city: approvals to borrowers whose address is in Horseshoe Bay, in any county, FY2010 to FY2026. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published.
US Small Business Administration, 504 FOIA release, FY2010 to FY2026 year to date, as of 2026-06-30.
Horseshoe Bay
Flood risk in Horseshoe Bay
- NFIP communityCity of Horseshoe Bay
- NFIP community number480149
- Participating in the NFIPYes
- Community Rating System classNone
- Currently effective map date11/01/19
The City of Horseshoe Bay participates in the National Flood Insurance Program as community 480149 and carries no Community Rating System class, so no CRS premium discount applies to it.
Federal Emergency Management Agency, NFIP Community Status Book (OpenFEMA), as of 2026-09-26.
Llano County, not Horseshoe Bay
Llano County context, not Horseshoe Bay figures
- Establishments in Llano County561
- Covered employment, Llano County5,656
- Average annual pay, Llano County$50,825
- Housing units permitted, Llano County119
Every figure in this section is published for Llano County as a whole and is not a measurement of Horseshoe Bay.
US Census Bureau, County Business Patterns, 2023. US Bureau of Labor Statistics, Quarterly Census of Employment and Wages, 2024 annual averages. US Census Bureau, Building Permits Survey, 2024 annual.
Coverage
What this page does not hold.
Parcel detail, zoning and the flood zone at an address are not on this page; they resolve at the address in the platform. How this page was built →
Common questions
Horseshoe Bay questions, answered from the record.
How many people live in Horseshoe Bay, Texas?
4,854, in 2,525 households. Horseshoe Bay city covers 14.33 square miles of land, which is 339 people per square mile. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
What county is Horseshoe Bay in?
Horseshoe Bay lies in more than one. By area it is 86.7 percent in Llano County, 13.3 percent in Burnet County. This page sits under Llano County because that county holds the largest share. The split is measured from the Census boundary of the place against the county boundaries.
What is the median household income in Horseshoe Bay?
$96,794. The median owner-occupied home is valued at $549,800. Median gross rent is $1,536 per month. Source: US Census Bureau, American Community Survey 5-Year Estimates, place level, 2020-2024 5-year.
How much SBA lending goes to Horseshoe Bay businesses?
7 7(a) approvals totaling $4.1 m since FY2020, across 6 lenders, median approval $620,200, plus 3 504 approvals worth $1.4 m since FY2010. These count approvals to borrowers whose address is in Horseshoe Bay, not projects sited inside the place boundary, and they are approvals recorded in the release rather than loans disbursed.
Do SBA loans to Horseshoe Bay borrowers get paid back?
No rate is published for Horseshoe Bay. Only 1 loan has reached a final outcome, fewer than the 30 a charge-off rate needs, so no rate is published. The counts are shown instead.
Is Horseshoe Bay in the National Flood Insurance Program?
Yes. Horseshoe Bay appears in the FEMA Community Status Book as Horseshoe Bay, city of, community 480149, with no Community Rating System class, so no CRS discount applies. Whether a specific parcel sits in a mapped special flood hazard area is an address level question the platform answers.
Are the county figures on this page Horseshoe Bay figures?
No, and they are labeled so. County Business Patterns, QCEW, the Building Permits Survey, BEA product and IRS migration are published for Llano County as a whole and there is no place level equivalent. They appear in one clearly marked section as context and are never presented as measurements of Horseshoe Bay.
Is zoning published for Horseshoe Bay?
No. Nothing on this page presents parcel level zoning.
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