PlainZIP

Lockhart, TX · standard

ZIP Code 78644

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

17,081
35/sq mi
$74,709
Median income
$279,800
Median home value
23.6%
Bachelor's or higher

The verdict

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

Top 46%
household income, US ZIPs
Top 37%
home value, US ZIPs
35
people per sq mi
75%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 78644 against every reporting US ZIP.

ZIP code 78644 is a mid-sized community (a standard USPS delivery area) in Lockhart, Caldwell County, Texas, home to 17,081 residents across 483.9 square miles, a density of 35 people per square mile, in the Chicago time zone.

ZIP 78644 lands in the middle-income range, with a median household income of $74,709 (1% below the Texas average), while per-capita income is $31,228. The poverty rate stands at 13.1% and the unemployment rate at 2.6%. Housing costs here run $279,800 for a typical home value (13% above the state average), with rent averaging $1,155 a month; 74.9% of homes are owner-occupied.

Educational attainment sits below the national norm: 23.6% of adults hold a bachelor's degree or higher, the median age is 39.2, and the average commute is 30 minutes. Beyond these figures, 5 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Caldwell County, letting you compare 78644 to its immediate surroundings rather than a national baseline alone.

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 78644

Top 5 sectors by establishment count in Lockhart, TX

Which industries have the most business establishments in ZIP 78644.

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 78644, Lockhart, 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

17,081

Population

483.9

Area (sq mi)

35

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 78644?

39.2

Median Age

49.4%

Male

50.6%

Female

9.3%

Foreign-Born

White 55.4%
African American 4.7%
Asian 0.8%
American Indian or Alaska Native 0.9%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 26.7%
Hispanic or Latino 52.1%

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?

$74,709

Median Household Income

-1% vs state

$31,228

Per Capita Income

13.1%

Poverty Rate

2.6%

Unemployment Rate

30.4 min

Mean Commute Time

How ZIP 78644 ranks nationally

Lockhart, TX household income vs. every US ZIP code

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

$74,709 Top 46% higher than 54% 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 62.5%
Bachelor's Degree or Higher 23.6%

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

What does housing look like?

8,175

Total Housing Units

7,747

Occupied Units

428

Vacant Units

2.65

Avg Household Size

Occupancy Type

Owner 74.9%
Renter 25.1%

$279,800

Median Home Value

+13% vs state

$1,155

Median Rent

1993

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

-2.9%

YoY Change (2024)

337

HPI Index (2000 = 100)

+237%

Total Change Since 2000

Home values in ZIP 78644 have decreased 2.9% over the past year (2024). Since 2000, this ZIP has seen +237% cumulative appreciation.

Year Annual Change HPI Index
2020 +0.3% 213
2021 +19.8% 256
2022 +25.2% 320
2023 +8.5% 347
2024 -2.9% 337

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 407 business establishments in ZIP 78644, employing approximately 4,373 people with a combined annual payroll of $204,593,000.

407

Businesses

4,373

Employees

$204.6M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Construction 63 15.5%
Retail trade 61 15.0%
Accommodation and food services 48 11.8%
Other services (except public administration) 42 10.3%
Health care and social assistance 40 9.8%
Finance and insurance 28 6.9%
Professional, scientific, and technical services 26 6.4%
Administrative and support and waste management and remediation services 24 5.9%
Manufacturing 16 3.9%
Real estate and rental and leasing 16 3.9%
Wholesale trade 10 2.5%
Transportation and warehousing 7 1.7%
Information 6 1.5%
Educational services 6 1.5%
Mining, quarrying, and oil and gas extraction 5 1.2%
Arts, entertainment, and recreation 4 1.0%

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 78644 vs 78656 →

ZIP 78644 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 78644 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 78644 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 78644 ranks #4 of 5 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
78656 Maxwell, TX 2,271 8.3 mi
78616 Dale, TX 7,092 8.3 mi
78622 Fentress, TX 296 10.1 mi
78661 Prairie Lea, TX 335 11.1 mi
78670 Staples, TX 168 11.1 mi

More ZIP Codes in Caldwell County

78648 standard
Luling, TX
Pop: 7,683
78616 standard
Dale, TX
Pop: 7,092
78655 standard
Martindale, TX
Pop: 2,739
78656 standard
Maxwell, TX
Pop: 2,271
78661 standard
Prairie Lea, TX
Pop: 335
78622 standard
Fentress, TX
Pop: 296

Related Areas

Caldwell County Lockhart, TX Texas

Frequently Asked Questions

What county is ZIP code 78644 in? ▼
ZIP code 78644 (Lockhart) is located in Caldwell County, Texas. Caldwell County contains multiple ZIP codes, see the full list at /counties/caldwell-tx.
What is the population of ZIP code 78644? ▼
ZIP code 78644 in Lockhart, TX has a population of 17,081 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 78644? ▼
The median household income in ZIP 78644 is $74,709, which is 2% below the national average of $76,288.
What is the average home value in ZIP 78644? ▼
The median home value in ZIP 78644 is $279,800, which is 1% above the national average of $278,155.
What is the demographic makeup of ZIP 78644? ▼
The largest racial group in ZIP 78644 is White at 55.4%. Hispanic or Latino residents make up 52.1% of the population.
How many businesses are in ZIP code 78644? ▼
ZIP code 78644 has 407 business establishments employing approximately 4,373 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 78644? ▼
The top industries by establishment count in ZIP 78644 are: Construction (63), Retail trade (61), Accommodation and food services (48). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 78644? ▼
According to the FHFA House Price Index, home values in ZIP 78644 decreased by 2.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 237%. 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 78644? ▼
In ZIP code 78644, 62.5% of residents aged 25+ have a high school diploma or higher, and 23.6% 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 78644? ▼
The mean commute time for workers in ZIP code 78644 is 30.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 78644? ▼
In ZIP code 78644, approximately 74.9% of occupied housing units are owner-occupied and 25.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 78644? ▼
The poverty rate in ZIP code 78644 is 13.1% 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.