ZIP 78028 vs ZIP 78025

This side-by-side compares ZIP 78028 (Kerrville, TX) and ZIP 78025 (Ingram, TX) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 78028 has a population of 37,620 at 58 people per square mile, while ZIP 78025 has 4,956 at 44 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 78028 reports a median household income of $66,991 against $70,964 in ZIP 78025, with per-capita income of $39,905 vs $38,252. The share of adults holding a bachelor's degree or higher is 32.4% in 78028 and 22.8% in 78025. Poverty rate reads 11.1% vs 13.2%, and unemployment 3.6% vs 2.4% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $323,200 in 78028 versus $248,200 in 78025, with median rent of $1,138 and $1,105 per month respectively. Homeownership rate is 67.1% vs 76.6%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.