| ZIP Code | 78028 |
|---|---|
| City | Kerrville |
| State | Texas (TX) |
| County | Kerr County |
| Area Code | 830 |
| Elevation | 1,621 ft |
| Latitude | 30.035681 |
|---|---|
| Longitude | -99.165202 |
| Timezone | Chicago (DST) |
| FIPS | 48265 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 48.2 yrs |
|---|---|
| Avg Household Size | 2.23 |
| Below Poverty | 10.9% ▲ 9% above avg |
| College Grads | 41.4% ≈ Avg |
| Unemployment | 2.8% ▼ 43% below avg |
| No HS Diploma | 450 (1.6%) |
| HS Graduate | 7,824 (28.6%) |
| Some College | 3,539 (12.9%) |
| Associates | 4,222 (15.4%) |
| Bachelors | 2,466 (9%) |
| Graduate Degree | 8,859 (32.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $65,486 ▼ 14% below avg ↑ 20% since 2019 |
|---|---|
| Median Home Value | $281,300 ≈ Avg ↑ 55% since 2019 |
| Home/Income Ratio | 4.3x (nat avg ~3.5x) |
| Median Rent | $1,097/mo ↑ 25% since 2019 |
| Total Units | 19,285 |
| Vacant Units | 1,811 |
| Avg HH Size | 2.23 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 19,285 |
|---|---|
| Vacant | 1,811 |
| Owner Occupied | 67.6% |
| Renter Occupied | 32.4% |
| Avg HH Size | 2.23 |
ZIP code 78028 is located in Kerrville, Texas, within Kerr County. With a population of 40,829, this is a highly populated ZIP code with a mature community — the median age is 48.2 years. Economically, 78028 is a solidly middle-class ZIP code: the median household income of $65,486 is near the national average.
Real estate in ZIP code 78028 represents a mid-range housing market. The median home value of $281,300 is near the national average. Renters can expect to pay around $1,097 per month in median rent. Homeownership is strong here — 67.6% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 55% since 2019.
The population of 78028 is majority White (69.13%). Residents are well-educated — 41.4% hold a bachelor's degree or higher, which is near the national average. Poverty affects some residents at 10.9%. Household income has grown by 20% since 2019.
The unemployment rate in 78028 stands at 2.8%, which is below the national average. As in most parts of the country, driving alone is the dominant commute mode at 72%.
Overall, ZIP code 78028 in Kerrville, TX is characterized as solidly middle-class, well-educated, a mature community, and predominantly owner-occupied. With 40,829 residents, a median household income of $65,486, and a median home value of $281,300, it offers a clear picture of life in this part of Texas.