78028 ZIP Code
Kerrville, Texas
December 30, 2025
| ZIP Code: | 78028 |
| City/Town: | Kerrville |
| County: | Kerr |
| State: | Texas |
| ZIP Type: | Standard |
| Population: | 39,906 |
| Median Household Income: | $64,768 |
| Per Capita Income: | $34,444 |
| Total Housing Units: | 18,602 |
| Median Home Value: | $259,300 |
| Land Area: | 263.3 sq miles
682.0 sq km |
| Water Area: | 1.6 sq miles
4.1 sq km |
| Coordinates: | 30.0357, -99.1652 |
Population Information (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total Population: | 39,906 | -- | -- |
| Male: | 19,029 | 47.7% | 49.6% |
| Female: | 20,877 | 52.3% | 50.4% |
| Median Age: | 47.2 yrs | -- | 38.5 yrs |
| Under 5 years: | 2,054 | 5.1% | 5.7% |
| 5 to 9 years: | 1,733 | 4.3% | 6.0% |
| 10 to 14 years: | 2,210 | 5.5% | 6.5% |
| 15 to 19 years: | 2,451 | 6.1% | 6.6% |
| 20 to 24 years: | 2,620 | 6.6% | 6.7% |
| 25 to 34 years: | 4,321 | 10.8% | 13.7% |
| 35 to 44 years: | 3,824 | 9.6% | 12.9% |
| 45 to 54 years: | 4,088 | 10.2% | 12.4% |
| 55 to 59 years: | 2,078 | 5.2% | 6.5% |
| 60 to 64 years: | 2,787 | 7.0% | 6.4% |
| 65 to 74 years: | 6,204 | 15.5% | 9.7% |
| 75 to 84 years: | 3,763 | 9.4% | 4.8% |
| 85 years and over: | 1,773 | 4.4% | 2.0% |
Housing Information (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Median home value: | $259,300 | -- | $281,900 |
| Median rooms: | 5.4 | -- | 5.5 |
| Median rent: | $1,068 / mo. | -- | $1,268 / mo. |
| Total housing units: | 18,602 | -- | -- |
| Occupied housing units: | 16,878 | 90.7% | 38.0% |
| Vacant housing units: | 1,724 | 9.3% | 4.6% |
| Housing tenure: | -- | -- | -- |
| Owner-occupied: | 11,480 | 68.0% | 64.8% |
| Renter-occupied: | 5,398 | 32.0% | 35.2% |
Educational Attainment (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Population 25 years and over: | 28,838 | -- | -- |
| Less than 9th grade: | 953 | 3.3% | 4.7% |
| 9th to 12th grade, no diploma: | 1,807 | 6.3% | 6.1% |
| High school graduate: | 8,270 | 28.7% | 26.4% |
| Some college, no degree: | 6,936 | 24.1% | 19.7% |
| Associate degree: | 2,107 | 7.3% | 8.7% |
| Bachelor's degree: | 5,170 | 17.9% | 20.9% |
| Graduate or professional degree: | 3,595 | 12.5% | 13.7% |
| Percent high school graduate or higher: | -- | 90.4% | 89.1% |
| Percent bachelor's degree or higher: | -- | 30.4% | 34.3% |
Income Information (78028 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median household income: | $64,768 / yr. | $75,149 / yr. |
| Mean household income: | $88,048 / yr. | $105,833 / yr. |
| Median family income: | $82,631 / yr. | $92,646 / yr. |
| Per capita income: | $34,444 / yr. | $41,261 / yr. |
Employment (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| In labor force: | 18,074 | -- | 63.5% |
| Employed: | 17,418 | 96.8% | 96.4% |
| Unemployed: | 584 | 3.2% | 5.3% |
| Not in labor force: | 15,578 | -- | -- |
| Class of Worker: | -- | -- | -- |
| Private wage and salary: | 13,188 | 75.7% | 79.7% |
| Government workers: | 2,155 | 12.4% | 14.2% |
| Self-employed: | 2,063 | 11.8% | 5.9% |
| Unpaid family workers: | 12 | 0.1% | 0.1% |
Race & Ethnicity (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Race (one race): | -- | -- | -- |
| White: | 31,661 | 79.3% | 61.6% |
| Black or African American: | 642 | 1.6% | 12.4% |
| American Indian/Alaska Native: | 219 | 0.5% | 1.1% |
| Asian: | 325 | 0.8% | 6.0% |
| Native Hawaiian/Pacific Islander: | 0 | 0.0% | 0.2% |
| Some other race: | 2,996 | 7.5% | 8.4% |
| Two or more races: | 4,063 | 10.2% | 10.2% |
| Hispanic or Latino (any race): | 6,194 | 15.5% | 18.7% |
| Mexican: | 10,873 | 27.2% | 11.2% |
| Puerto Rican: | 8,882 | 22.3% | 1.8% |
| Cuban: | 254 | 0.6% | 0.7% |
| Other Hispanic or Latino: | 4 | 0.0% | 5.0% |
| Not Hispanic or Latino: | 1,733 | 4.3% | 81.1% |
Income Distribution (78028 zip code)
| Household Income | Households | Percent% | US AvgUS |
|---|---|---|---|
| Less than $10,000: | 648 | 3.8% | 4.9% |
| $10,000 to $14,999: | 637 | 3.8% | 3.8% |
| $15,000 to $24,999: | 1,376 | 8.2% | 7.0% |
| $25,000 to $34,999: | 1,042 | 6.2% | 7.4% |
| $35,000 to $49,999: | 2,706 | 16.0% | 10.7% |
| $50,000 to $74,999: | 3,121 | 18.5% | 16.1% |
| $75,000 to $99,999: | 2,345 | 13.9% | 12.8% |
| $100,000 to $149,999: | 2,972 | 17.6% | 17.1% |
| $150,000 to $199,999: | 1,059 | 6.3% | 8.8% |
| $200,000 or more: | 972 | 5.8% | 11.4% |
Commute to Work (78028 zip code)
| Commute Method | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Drove alone: | 12,477 | 71.6% | 67.8% |
| Carpooled: | 2,196 | 12.6% | 8.7% |
| Public transportation: | 28 | 0.2% | 4.2% |
| Walked: | 436 | 2.5% | 2.5% |
| Other means: | 354 | 2.0% | 0.9% |
| Worked from home: | 1,332 | 7.6% | 13.8% |
| Mean travel time to work: | 18.2 min | -- | 26.7 min |
Industry (78028 zip code)
| Industry Sector | Workers | Percent% | US AvgUS |
|---|---|---|---|
| Agriculture, forestry, fishing, mining: | 335 | 1.9% | 1.6% |
| Construction: | 1,677 | 9.6% | 6.9% |
| Manufacturing: | 1,037 | 6.0% | 10.0% |
| Wholesale trade: | 237 | 1.4% | 2.4% |
| Retail trade: | 2,378 | 13.7% | 11.0% |
| Transportation, warehousing, utilities: | 526 | 3.0% | 5.8% |
| Information: | 145 | 0.8% | 1.9% |
| Finance, insurance, real estate: | 1,112 | 6.4% | 6.7% |
| Professional, scientific, management: | 1,551 | 8.9% | 12.1% |
| Education, health care, social services: | 4,434 | 25.5% | 23.3% |
| Arts, entertainment, food services: | 2,347 | 13.5% | 9.0% |
| Other services: | 1,036 | 5.9% | 4.7% |
| Public administration: | 603 | 3.5% | 4.7% |
Poverty Status (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Poverty Rate: | -- | 12.8% | 8.8% |
| All people below poverty level: | -- | -- | -- |
| Under 18 years: | -- | -- | 16.3% |
| 18 to 64 years: | -- | -- | 11.0% |
| 65 years and over: | -- | -- | 10.3% |
Health Insurance (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| With health insurance: | 32,816 | 82.2% | 91.3% |
| Private health insurance: | 24,762 | 62.1% | 67.6% |
| Public health coverage: | 16,376 | 41.0% | 35.9% |
| Without health insurance: | 6,261 | 15.7% | 8.7% |
Benefits & Assistance (78028 zip code)
| Households with: | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Earnings: | 11,235 | 66.6% | 77.4% |
| Social Security income: | 7,788 | 46.1% | 31.0% |
| Retirement income: | 5,844 | 34.6% | 21.8% |
| Supplemental Security Income (SSI): | 664 | 3.9% | 4.5% |
| Cash public assistance income: | 400 | 2.4% | 1.8% |
| SNAP (food stamps) benefits: | 1,235 | 7.3% | 11.4% |
Housing Types (78028 zip code)
| Structure Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| 1-unit, detached: | 12,384 | 66.6% | 61.4% |
| 1-unit, attached: | 365 | 2.0% | 6.1% |
| 2 units: | 310 | 1.7% | 3.4% |
| 3 or 4 units: | 852 | 4.6% | 4.3% |
| 5 to 9 units: | 963 | 5.2% | 4.6% |
| 10 to 19 units: | 338 | 1.8% | 4.3% |
| 20 or more units: | 697 | 3.7% | 9.9% |
| Mobile home: | 2,591 | 13.9% | 5.8% |
| Boat, RV, van, etc.: | 102 | 0.5% | 0.1% |
Year Structure Built (78028 zip code)
| Year Built | Units | Percent% | US AvgUS |
|---|---|---|---|
| Built 2020 or later: | 214 | 1.2% | 0.6% |
| Built 2010 to 2019: | 1,743 | 9.4% | 8.2% |
| Built 2000 to 2009: | 2,909 | 15.6% | 13.5% |
| Built 1990 to 1999: | 2,784 | 15.0% | 13.2% |
| Built 1980 to 1989: | 3,800 | 20.4% | 13.2% |
| Built 1970 to 1979: | 3,449 | 18.5% | 14.6% |
| Built 1960 to 1969: | 1,278 | 6.9% | 10.2% |
| Built 1950 to 1959: | 1,023 | 5.5% | 9.9% |
| Built 1940 to 1949: | 883 | 4.7% | 4.6% |
| Built 1939 or earlier: | 519 | 2.8% | 12.0% |
Bedrooms (78028 zip code)
| Number of Bedrooms | Units | Percent% | US AvgUS |
|---|---|---|---|
| No bedroom (studio): | 394 | 2.1% | 2.4% |
| 1 bedroom: | 1,470 | 7.9% | 3.0% |
| 2 bedrooms: | 5,714 | 30.7% | 9.1% |
| 3 bedrooms: | 9,279 | 49.9% | 15.9% |
| 4 bedrooms: | 1,366 | 7.3% | 18.8% |
| 5 or more bedrooms: | 379 | 2.0% | 17.6% |
Heating Fuel (78028 zip code)
| Fuel Type | Units | Percent% | US AvgUS |
|---|---|---|---|
| Utility gas: | 3,075 | 18.2% | 47.1% |
| Bottled, tank, or LP gas: | 732 | 4.3% | 4.9% |
| Electricity: | 12,856 | 76.2% | 40.2% |
| Fuel oil, kerosene, etc.: | 0 | 0.0% | 4.2% |
| Coal or coke: | 0 | 0.0% | 0.1% |
| Wood: | 134 | 0.8% | 1.5% |
| Solar energy: | 0 | 0.0% | 0.1% |
| Other fuel: | 48 | 0.3% | 0.5% |
| No fuel used: | 33 | 0.2% | 0.2% |
Vehicles Available (78028 zip code)
| Vehicles | Households | Percent% | US AvgUS |
|---|---|---|---|
| No vehicle available: | 853 | 5.1% | 8.3% |
| 1 vehicle available: | 5,896 | 34.9% | 32.6% |
| 2 vehicles available: | 7,279 | 43.1% | 37.0% |
| 3 or more vehicles available: | 2,850 | 16.9% | 22.1% |
Home Value Distribution (78028 zip code)
| Value Range | Owner Units | Percent% | US AvgUS |
|---|---|---|---|
| Less than $50,000: | 957 | 8.3% | 5.7% |
| $50,000 to $99,999: | 630 | 5.5% | 7.8% |
| $100,000 to $149,999: | 1,021 | 8.9% | 9.2% |
| $150,000 to $199,999: | 1,630 | 14.2% | 10.8% |
| $200,000 to $299,999: | 2,918 | 25.4% | 19.9% |
| $300,000 to $499,999: | 2,841 | 24.7% | 24.1% |
| $500,000 to $999,999: | 1,189 | 10.4% | 17.0% |
| $1,000,000 or more: | 294 | 2.6% | 5.6% |
Housing Costs (78028 zip code)
| Value | US AvgUS | |
|---|---|---|
| Median owner costs (with mortgage): | $1,535 / mo. | $1,828 / mo. |
| Median owner costs (no mortgage): | $583 / mo. | $584 / mo. |
| Median gross rent: | $1,068 / mo. | $1,268 / mo. |
| Average household size (owner-occupied): | 2.26 | 2.53 |
| Average household size (renter-occupied): | 2.30 | 2.38 |
Households (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Total households: | 16,878 | -- | -- |
| Married-couple households: | 7,998 | 47.4% | 47.5% |
| Cohabiting couple households: | 2,292 | 13.6% | 7.0% |
| Male householder, no spouse: | 2,949 | 17.5% | 5.4% |
| Female householder, no spouse: | 4,866 | 28.8% | 12.7% |
| Householder living alone: | 3,840 | 22.8% | 28.6% |
| 65 years and over living alone: | 7,917 | 46.9% | 11.8% |
| Average household size: | 2.27 | -- | 2.53 |
| Average family size: | 2.78 | -- | -- |
Marital Status (78028 zip code)
| Population 15 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 16,099 | -- | -- |
| Never married: | 5,119 | 31.8% | 37.0% |
| Now married: | 8,390 | 52.1% | 49.5% |
| Separated: | 860 | 5.3% | 1.5% |
| Widowed: | 1,594 | 9.9% | 2.6% |
| Divorced: | 3,826 | 23.8% | 9.3% |
School Enrollment (78028 zip code)
| Population 3 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Enrolled in school: | 7,467 | -- | -- |
| Nursery school, preschool: | 583 | 7.8% | 5.8% |
| Kindergarten: | 368 | 4.9% | 5.0% |
| Elementary school (grades 1-8): | 2,940 | 39.4% | 40.5% |
| High school (grades 9-12): | 1,849 | 24.8% | 21.4% |
| College or graduate school: | 1,727 | 23.1% | 27.3% |
Veterans & Disability (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Civilian population 18 years and over: | 32,492 | -- | -- |
| Veterans: | 3,280 | 10.1% | 6.3% |
| Civilian noninstitutionalized population: | 39,077 | -- | -- |
| With a disability: | 6,068 | 15.5% | 13.4% |
| Under 18 with disability: | 118 | 1.9% | 5.8% |
| 18 to 64 with disability: | 2,282 | 37.6% | 10.4% |
| 65 and over with disability: | 3,668 | 60.4% | 33.4% |
Mobility (Residence 1 Year Ago) (78028 zip code)
| Population 1 year and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Same house: | 32,594 | 81.7% | 86.9% |
| Different house: | 6,924 | 17.4% | 13.1% |
| Same county: | 3,551 | 51.3% | 7.0% |
| Different county: | 3,289 | 47.5% | 3.2% |
| Different state: | 681 | 9.8% | 2.5% |
| Abroad: | 84 | 1.2% | 0.4% |
Place of Birth (78028 zip code)
| Number# | Percent% | US AvgUS | |
|---|---|---|---|
| Native born: | 37,386 | 93.7% | 86.2% |
| Foreign born: | 364 | 0.9% | 13.9% |
| Naturalized citizen: | 2,520 | 692.3% | 52.7% |
| Not a citizen: | 2,520 | 692.3% | 47.3% |
| Foreign-born by region: | -- | -- | -- |
| Europe: | 2,520 | 692.3% | 10.5% |
| Asia: | 286 | 78.6% | 31.3% |
| Africa: | 115 | 31.6% | 5.5% |
| Oceania: | 11 | 3.0% | 0.5% |
| Latin America: | 1,694 | 465.4% | 50.0% |
| Northern America: | 39 | 10.7% | 2.2% |
Language Spoken at Home (78028 zip code)
| Population 5 years and over | Number# | Percent% | US AvgUS |
|---|---|---|---|
| Total: | 37,852 | -- | -- |
| English only: | 33,428 | 88.3% | 78.3% |
| Language other than English: | 4,424 | 11.7% | 21.5% |
| By language: | -- | -- | -- |
| Spanish: | 3,976 | 10.5% | 13.3% |
| Other Indo-European languages: | 201 | 0.5% | 3.5% |
| Asian/Pacific Island languages: | 132 | 0.3% | 3.5% |
| Other languages: | 115 | 0.3% | 1.0% |
Computers & Internet (78028 zip code)
| Households | Percent% | US AvgUS | |
|---|---|---|---|
| Households with a computer: | 16,878 | 100.0% | 93.1% |
| Households with broadband internet: | 16,099 | 95.4% | 89.4% |
Kerrville, TX78028