ZIP Code 78644
standardSource:
Lockhart · Caldwell County · Texas
- Population
- 17,081
- Median income
- $74,709
- Median home value
- $279,800
- Bachelor's or higher
- 23.6%
- Land area
- 483.9 sq mi
35/sq mi
▼ 2% vs US
higher than 54% of US ZIPs
▲ 1% vs US
higher than 63% of US ZIPs
Median age 39.2
Chicago
ZIP code 78644 in Lockhart, Texas has a population of 17,081. The median household income is $74,709, which is 2% below the national average. Median home value is $279,800, 1% above the US average. 23.6% of residents hold a bachelor's degree or higher.
ZIP code 78644 is classified by USPS as a standard delivery area and covers roughly 483.9 square miles in Lockhart, Caldwell County, Texas. The area is home to 17,081 residents, producing a population density of 35 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 78644 against Texas and the nation.
On the economic side, the median household income for ZIP 78644 sits at $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%. On housing, the median home value is $279,800 (13% above the state average) with median rent at $1,155 per month, and 74.9% of occupied units are owner-occupied, a direct signal of whether 78644 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 23.6% of adults hold a bachelor's degree or higher, the median age is 39.2, and the average commute is 30 minutes. We also surface 5 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Caldwell County, so you can benchmark 78644 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 78644
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$31,228
Per Capita Income
13.1%
Poverty Rate
2.6%
Unemployment Rate
30.4 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?
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
$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 →
More ZIP Codes in Caldwell County
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Frequently Asked Questions
What county is ZIP code 78644 in? ▼
What is the population of ZIP code 78644? ▼
What is the median household income in ZIP 78644? ▼
What is the average home value in ZIP 78644? ▼
What is the demographic makeup of ZIP 78644? ▼
How many businesses are in ZIP code 78644? ▼
What are the main industries in ZIP code 78644? ▼
How have home values changed in ZIP code 78644? ▼
What is the education level in ZIP code 78644? ▼
What is the average commute time in ZIP 78644? ▼
What percentage of residents own vs. rent in ZIP 78644? ▼
What is the poverty rate in ZIP code 78644? ▼
ZIP Code Research Guides
Official Data Resources for Lockhart, 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.