Residential delivery area · Texas
ZIP Code 78028: Kerrville, TX
ZIP code 78028 uses the postal name Kerrville, Texas and lies mostly in Kerr County (84% of its land) with the rest in Gillespie County (Census 2020 ZIP-county file). About 41,000 people live there (Census Bureau, ACS 2020-2024), the more populous of Kerrville's 2 residential ZIP codes. Median household income is $66,991 (Census Bureau, ACS 2020-2024). By Census place, 8% of its land lies in Kerrville; 92% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Kerrville · 2 residential ZIPs
- County
- Kerr County (84%); Gillespie County (16%)
- Census places
- Kerrville
- Micro area
- Kerrville, TX
- House district
- TX-21 119th Congress
- State
- Texas
- Time zone
- Central
- Land area
- 263.3 sq mi · 156 people per sq mi
Where is ZIP code 78028?
78028 centers on 30.036°, -99.165° and covers 263.3 square miles of land plus 1.6 of water. It borders 9 ZIP codes: 78025, 78029, 78010, 78013, 78055, 78024, 78631, 78624, 78058.
The map draws ZIP code areas only. For the streets inside 78028, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 78028 compare with the rest of Kerrville?
| Measure | 78028 | In Kerrville | In Kerr County | In TX |
|---|---|---|---|---|
| People (ACS 2020-2024) | 41,206 | 1st of 2 | 1st of 10 | 221st of 1,990 |
| Median household income | $67k | 1st of 1 | 3rd of 4 | 701st of 1,172 |
| Median home value | $323k | 1st of 1 | 2nd of 4 | 340th of 1,172 |
Its median household income is higher than in 42% of U.S. residential ZIP codes, and it is denser than 60% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 78028?
The 2020 Census counted 40,789 people in 78028; the ACS, which samples households over 2020-2024, estimates 41,206. Its boundary changed between the 2010 and 2020 censuses, so the two counts are not compared.
- People, ACS 2020-2024
- 41,206
- 2020 Census count
- 40,789
- Households
- 17,911
- Median age
- 48.8
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 78028?
Of the 41,206 people the ACS estimates in 78028, 17.1% are under 18 and 30.4% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (68.9%), then Hispanic or Latino (25.0%).
- Under 1817.1%
- 18 to 6452.4%
- 65 and older30.4%
- White, not Hispanic68.9%
- Hispanic or Latino25.0%
- Other or two or more3.1%
- Black, not Hispanic1.7%
- Asian, not Hispanic1.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 78028 earn?
Median household income is $66,991 (ACS 2020-2024), the 3rd highest of the 4 ranked ZIP codes in Kerr County.
- Median household income
- $66,991
- Income per person
- $39,905
- Below the poverty line
- 11.1%
- Unemployed (of the labor force)
- 3.6%
- Adults 25+ with a bachelor's degree
- 32.4%
- Adjusted gross income per tax return, 2022
- $90,22819,100 returns; wages 48% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 78028?
FHFA's house price index for 78028, built from repeat sales and appraisals of the same homes, rose 100% from 2015 to 2025 and rose 49% from 2020 to 2025, and moved +1.2% in 2025.
- Median home value (owners' estimate)
- $323,200
- Median gross rent
- $1,138
- Homes owned by their occupants
- 67.1%
- Housing units
- 19,744
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 78028?
1,308 business establishments had a location in this ZIP code in 2023, 88 more than in 2018; the most are in retail trade (ZIP Code Business Patterns).
- Retail trade189
- Health care and social assistance176
- Construction157
- Other services (except public administration)142
- Accommodation and food services135
- Professional, scientific, and technical services120
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 78028?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 78025 | Ingram | 4,999 | $71k | 7.8 mi |
| 78029 | Kerrville | 0 | – | 9.5 mi |
| 78010 | Center Point | 3,635 | $87k | 11.2 mi |
| 78013 | Comfort | 4,809 | $83k | 16.1 mi |
| 78055 | Medina | 1,753 | $85k | 17.3 mi |
| 78024 | Hunt | 1,401 | $105k | 19.4 mi |
| 78631 | Harper | 3,465 | $79k | 22.6 mi |
| 78624 | Fredericksburg | 23,741 | $75k | 24.9 mi |
| 78058 | Mountain Home | 985 | $94k | 26.5 mi |
| 78003 | Bandera | 9,967 | $70k | 22.9 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.