ZIP Code 78028
standardSource:
Kerrville · Kerr County · Texas
- Population
- 37,620
- Median income
- $66,991
- Median home value
- $323,200
- Bachelor's or higher
- 32.4%
- Land area
- 649.7 sq mi
58/sq mi
▼ 12% vs US
higher than 42% of US ZIPs
▲ 16% vs US
higher than 70% of US ZIPs
Median age 48.8
Chicago
ZIP code 78028 in Kerrville, Texas has a population of 37,620. The median household income is $66,991, which is 12% below the national average. Median home value is $323,200, 16% above the US average. 32.4% of residents hold a bachelor's degree or higher.
ZIP code 78028 is classified by USPS as a standard delivery area and covers roughly 649.7 square miles in Kerrville, Kerr County, Texas. The area is home to 37,620 residents, producing a population density of 58 people per square mile, and falls within the Chicago time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 78028 against Texas and the nation.
On the economic side, the median household income for ZIP 78028 sits at $66,991 (11% below the Texas average), while per-capita income is $39,905. The poverty rate stands at 11.1% and the unemployment rate at 3.6%. On housing, the median home value is $323,200 (31% above the state average) with median rent at $1,138 per month, and 67.1% of occupied units are owner-occupied, a direct signal of whether 78028 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 32.4% of adults hold a bachelor's degree or higher, the median age is 48.8, and the average commute is 19 minutes. We also surface 2 nearby ZIP codes within roughly 10 miles and 4 additional ZIPs sharing Kerr County, so you can benchmark 78028 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 78028
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 78028.
- Retail trade
Retail trade
189 establishments
- Health care and social assistance
Health care and social assistance
176 establishments
- Construction
Construction
157 establishments
- Other services (except public administration)
Other services (except public administration)
142 establishments
- Accommodation and food services
Accommodation and food services
135 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
Who lives in ZIP 78028?
48.8
Median Age
47.5%
Male
52.5%
Female
6.5%
Foreign-Born
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
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
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
$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 →
More ZIP Codes in Kerr County
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Frequently Asked Questions
What county is ZIP code 78028 in? ▼
What is the population of ZIP code 78028? ▼
What is the median household income in ZIP 78028? ▼
What is the average home value in ZIP 78028? ▼
What is the demographic makeup of ZIP 78028? ▼
How many businesses are in ZIP code 78028? ▼
What are the main industries in ZIP code 78028? ▼
How have home values changed in ZIP code 78028? ▼
What is the education level in ZIP code 78028? ▼
What is the average commute time in ZIP 78028? ▼
What percentage of residents own vs. rent in ZIP 78028? ▼
What is the poverty rate in ZIP code 78028? ▼
ZIP Code Research Guides
Official Data Resources for Kerrville, TX
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.