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 Moderate-density area
- $74,709
- Median income Near-median income area
- $279,800
- Median home value Near-median home value
- 23.6%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 78644 (Lockhart, TX) fell -2.9% from 2023 to 2024. The all-transactions index moved from 347.3 in 2023 to 337.2 in 2024 (2000 = 100).
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 average Texas ZIP), while per-capita income is $31,228. The poverty rate is 13.1%, with unemployment at 2.6%; those measures add context to the income figure. Median home value is $279,800 (13% above the average Texas ZIP) and median rent is $1,155; 74.9% of occupied 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. The page also surfaces 5 ZIP codes within roughly 10 miles and 6 more in Caldwell County, so 78644 can be compared with both its immediate and county-level context.
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.
- Construction
Construction
63 establishments
- Retail trade
Retail trade
61 establishments
- Accommodation and food services
Accommodation and food services
48 establishments
- Other services (except public administration)
Other services (except public administration)
42 establishments
- Health care and social assistance
Health care and social assistance
40 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 + 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
Who lives in ZIP 78644?
39.2
Median Age
49.4%
Male
50.6%
Female
9.3%
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?
$74,709
Median Household Income
-1% vs state ZIP avg
$31,228
Per Capita Income
13.1%
Poverty Rate
2.6%
Unemployment Rate
30.4 min
Mean Commute Time
How ZIP 78644 ranks among Texas ZIPs
Lockhart, TX household income vs. every Texas ZIP code
Median household income among 1,737 reporting Texas ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$74,709 Top 42% higher than 58% of 1,737 Texas ZIPs
Each bar is a $20K-wide band; taller bars hold more Texas 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
8,175housing units
8,175
Total Housing Units
7,747
Occupied Units
428
Vacant Units
2.65
Avg Household Size
Occupancy Type
$279,800
Median Home Value
+13% vs state ZIP avg
$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.
- 78644
Lockhart (78644)
17,081 residents
- 78616
Dale (78616)
7,092 residents
- 78656 2,271
Maxwell (78656)
2,271 residents
- 78661 335
Prairie Lea (78661)
335 residents
- 78622 296
Fentress (78622)
296 residents
- 78670 168
Staples (78670)
168 residents
What this shows Among its immediate neighbors, ZIP 78644 ranks the most populous - useful context the national average alone can't give.
ZIP 78644 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 78661
Prairie Lea (78661)
$82,896 median income
- 78656
Maxwell (78656)
$81,346 median income
- 78670
Staples (78670)
$78,625 median income
- 78644
Lockhart (78644)
$74,709 median income
- 78616
Dale (78616)
$64,715 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 78644, both outside TX so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (17,081 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Caldwell County
Related Areas
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.
Related
Take this with you
What to do with ZIP 78644's numbers, next.
- See how ZIP 78644 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Lockhart, TX ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.