PlainZIP

Kerrville, TX · standard

ZIP Code 78028

Kerr County, Texas - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

37,620
58/sq mi
$66,991
Median income
$323,200
Median home value
32.4%
Bachelor's or higher

The verdict

Kerrville pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

42th pct
household income, US ZIPs
Top 30%
home value, US ZIPs
58
people per sq mi
67%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 78028 against every reporting US ZIP.

ZIP code 78028 is a densely settled ZIP (a standard USPS delivery area) in Kerrville, Kerr County, Texas, with 37,620 residents across 649.7 square miles, a density of 58 people per square mile, in the Chicago time zone.

ZIP 78028 reports a modest median household income of $66,991 (11% below the Texas average), while per-capita income is $39,905. 11.1% of residents live below the poverty line, and the unemployment rate reads 3.6%. The typical home here is valued at $323,200 (31% above the state average); renters pay a median of $1,138 monthly, and 67.1% of units are owner-occupied.

A solid share of residents have a four-year degree: 32.4% of adults hold a bachelor's degree or higher, the median age is 48.8, and the average commute is 19 minutes. To put 78028 in local context, 2 ZIP codes within roughly 10 miles appear further down this page alongside 4 additional ZIPs in Kerr County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 78028

Top 5 sectors by establishment count in Kerrville, TX

Which industries have the most business establishments in ZIP 78028.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 78028, Kerrville, TX · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

37,620

Population

649.7

Area (sq mi)

58

People / sq mi

Chicago

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 78028?

48.8

Median Age

47.5%

Male

52.5%

Female

6.5%

Foreign-Born

White 76.1%
African American 1.8%
Asian 1.3%
American Indian or Alaska Native 0.7%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.8%
Hispanic or Latino 25.0%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$66,991

Median Household Income

-11% vs state

$39,905

Per Capita Income

11.1%

Poverty Rate

3.6%

Unemployment Rate

19.0 min

Mean Commute Time

How ZIP 78028 ranks nationally

Kerrville, TX household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$66,991 42nd percentile higher than 42% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 63.2%
Bachelor's Degree or Higher 32.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

19,744

Total Housing Units

17,911

Occupied Units

1,833

Vacant Units

2.19

Avg Household Size

Occupancy Type

Owner 67.1%
Renter 32.9%

$323,200

Median Home Value

+31% vs state

$1,138

Median Rent

1986

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+2.7%

YoY Change (2024)

295

HPI Index (2000 = 100)

+195%

Total Change Since 2000

Home values in ZIP 78028 have increased 2.7% over the past year (2024). Since 2000, this ZIP has seen +195% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.4% 199
2021 +13.8% 227
2022 +21.5% 275
2023 +4.4% 287
2024 +2.7% 295

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 1,308 business establishments in ZIP 78028, employing approximately 16,201 people with a combined annual payroll of $819,141,000.

1,308

Businesses

16,201

Employees

$819.1M

Annual Payroll

18

Industry Sectors

Industry Establishments % of Total
Retail trade 189 14.4%
Health care and social assistance 176 13.5%
Construction 157 12.0%
Other services (except public administration) 142 10.9%
Accommodation and food services 135 10.3%
Professional, scientific, and technical services 120 9.2%
Real estate and rental and leasing 81 6.2%
Administrative and support and waste management and remediation services 76 5.8%
Finance and insurance 67 5.1%
Wholesale trade 36 2.8%
Manufacturing 32 2.5%
Transportation and warehousing 25 1.9%
Arts, entertainment, and recreation 20 1.5%
Information 18 1.4%
Educational services 16 1.2%
Agriculture, forestry, fishing and hunting 6 0.5%
Management of companies and enterprises 6 0.5%
Mining, quarrying, and oil and gas extraction 5 0.4%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 78028 vs 78025 →

ZIP 78028 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 78028 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 78028 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 78028 ranks #3 of 3 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
78025 Ingram, TX 4,956 8.2 mi
78010 Center Point, TX 3,386 10.8 mi

More ZIP Codes in Kerr County

78025 standard
Ingram, TX
Pop: 4,956
78010 standard
Center Point, TX
Pop: 3,386
78024 standard
Hunt, TX
Pop: 1,436
78029 standard
Kerrville, TX
Pop: -

Related Areas

Kerr County Kerrville, TX Texas

Frequently Asked Questions

What county is ZIP code 78028 in? ▼
ZIP code 78028 (Kerrville) is located in Kerr County, Texas. Kerr County contains multiple ZIP codes, see the full list at /counties/kerr-tx.
What is the population of ZIP code 78028? ▼
ZIP code 78028 in Kerrville, TX has a population of 37,620 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 78028? ▼
The median household income in ZIP 78028 is $66,991, which is 12% below the national average of $76,288.
What is the average home value in ZIP 78028? ▼
The median home value in ZIP 78028 is $323,200, which is 16% above the national average of $278,155.
What is the demographic makeup of ZIP 78028? ▼
The largest racial group in ZIP 78028 is White at 76.1%. Hispanic or Latino residents make up 25.0% of the population.
How many businesses are in ZIP code 78028? ▼
ZIP code 78028 has 1,308 business establishments employing approximately 16,201 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 78028? ▼
The top industries by establishment count in ZIP 78028 are: Retail trade (189), Health care and social assistance (176), Construction (157). There are 18 industry sectors represented in total.
How have home values changed in ZIP code 78028? ▼
According to the FHFA House Price Index, home values in ZIP 78028 increased by 2.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 195%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 78028? ▼
In ZIP code 78028, 63.2% of residents aged 25+ have a high school diploma or higher, and 32.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 78028? ▼
The mean commute time for workers in ZIP code 78028 is 19.0 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 78028? ▼
In ZIP code 78028, approximately 67.1% of occupied housing units are owner-occupied and 32.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 78028? ▼
The poverty rate in ZIP code 78028 is 11.1% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.