Zip code 78028: Kerrville, Texas

Q: What city is zip code 78028?

78028 is assigned to Kerrville, Texas. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 78028 in?

78028 is mostly in Kerr County, but it extends into 1 other county.

Q: What is the population of 78028?

About 41,206 people live in 78028, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 78028?

The median household income in 78028 is $66,991.

Q: What zip codes are near 78028?

The closest zip codes to 78028 are 78025, 78029, 78010, 78013, 78055.

Residential delivery areaKerr CountyCentral Time

Population

41,206

Median household income

$67K

U.S. $81K

Median home value

$323K

U.S. $333K

Median rent

$1,138/mo

U.S. $1,413

Median age

48.8

U.S. 38.9

Land area

263 sq mi

157 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 78028

78028 is a small-town zip code in Kerrville, Texas (Kerr County), covering 263 sq mi of land. About 41,206 people live here, or 157 per square mile. The median resident is 48.8 years old, compared with 38.9 nationally.

The median household earns $66,991 a year, 17% below the national median of $80,734. 11.1% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $323,200, or 4.8 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 67% of occupied homes are lived in by their owners, and renters pay a median of $1,138 a month.

32% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 19 minutes each way, and 9% of workers work from home. The most common jobs among working residents are in healthcare; management; and office and administrative support. 17% of them are self-employed (U.S.: 10%).

How 78028 compares

Sorted from highest to lowest national percentile

Residents 65 and older30.4%
97th
U.S. 17.2% · TX 13.4%137th of 1,818 in TX
Median age48.8
94th
U.S. 38.9 · TX 35.6247th of 1,817 in TX
Self-employed workers16.9%
94th
U.S. 10% · TX 10.5%284th of 1,810 in TX
Uninsured rate16.1%
90th
WeaknessU.S. 8.4% · TX 17.1%863rd of 1,808 in TX
Healthcare workers13.5%
90th
U.S. 9.7% · TX 8.6%186th of 1,810 in TX
Veterans9.9%
89th
U.S. 6.2% · TX 6.2%333rd of 1,818 in TX
Population41,206
69th
U.S. 334,922,499 · TX 30,188,424221st of 1,818 in TX
Housing vacancy9.3%
68th
U.S. 10.1% · TX 9.4%1,136th of 1,794 in TX
Income inequality (Gini)0.446
59th
U.S. 0.483 · TX 0.478690th of 1,785 in TX
Poverty rate11.1%
51st
U.S. 12.5% · TX 13.8%1,022nd of 1,794 in TX
Bachelor's degree or higher32.4%
51st
U.S. 35.7% · TX 33.8%480th of 1,811 in TX
Per capita income$39,905
49th
U.S. $44,673 · TX $40,752560th of 1,813 in TX
Median home value$323,200
48th
U.S. $332,700 · TX $283,800378th of 1,679 in TX
Homeownership rate67.1%
46th
U.S. 65.2% · TX 62.6%1,196th of 1,792 in TX
Diversity index46.2
45th
U.S. 61.4 · TX 67.11,029th of 1,818 in TX
Broadband access91.2%
42nd
U.S. 91% · TX 91.4%710th of 1,792 in TX
Foreign-born residents6.5%
36th
U.S. 14.1% · TX 17.6%1,086th of 1,818 in TX
Median household income$66,991
31st
U.S. $80,734 · TX $78,476945th of 1,712 in TX
Median gross rent$1,138
31st
U.S. $1,413 · TX $1,403787th of 1,511 in TX
Rent-burdened renters45.7%
31st
U.S. 51.1% · TX 51.7%950th of 1,692 in TX
Work from home9.1%
29th
U.S. 15.1% · TX 14.4%865th of 1,810 in TX
Government workers11%
27th
U.S. 14.5% · TX 14.1%1,375th of 1,810 in TX
Unemployment rate3.6%
26th
U.S. 5.2% · TX 5.3%1,131st of 1,810 in TX
Median earnings per worker$39,688
20th
WeaknessU.S. $49,666 · TX $47,5751,180th of 1,794 in TX
Tech workers1.4%
20th
U.S. 3.8% · TX 3.8%899th of 1,810 in TX
Population density157/sq mi
18th
U.S. 95/sq mi · TX 116/sq mi837th of 1,818 in TX
Residents under 1817.1%
15th
U.S. 22% · TX 25%1,524th of 1,818 in TX
Average commute19 min
9th
StrengthU.S. 26.4 min · TX 26.7 min1,505th of 1,738 in TX

Measure	78028	Kerr	TX	U.S.	National percentile	Rank in TX
Residents 65 and older	30.4%	29.1%	13.4%	17.2%	97th	137th of 1,818
Median age	48.8	48.8	35.6	38.9	94th	247th of 1,817
Self-employed workers	16.9%	18%	10.5%	10%	94th	284th of 1,810
Uninsured rateWeakness	16.1%	17.3%	17.1%	8.4%	90th	863rd of 1,808
Healthcare workers	13.5%	13.1%	8.6%	9.7%	90th	186th of 1,810
Veterans	9.9%	9.8%	6.2%	6.2%	89th	333rd of 1,818
Population	41,206	53,489	30,188,424	334,922,499	69th	221st of 1,818
Housing vacancy	9.3%	11.8%	9.4%	10.1%	68th	1,136th of 1,794
Income inequality (Gini)	0.446	0.456	0.478	0.483	59th	690th of 1,785
Poverty rate	11.1%	11.4%	13.8%	12.5%	51st	1,022nd of 1,794
Bachelor's degree or higher	32.4%	31.3%	33.8%	35.7%	51st	480th of 1,811
Per capita income	$39,905	$40,492	$40,752	$44,673	49th	560th of 1,813
Median home value	$323,200	$321,200	$283,800	$332,700	48th	378th of 1,679
Homeownership rate	67.1%	70.1%	62.6%	65.2%	46th	1,196th of 1,792
Diversity index	46.2	47.6	67.1	61.4	45th	1,029th of 1,818
Broadband access	91.2%	91.2%	91.4%	91%	42nd	710th of 1,792
Foreign-born residents	6.5%	7.7%	17.6%	14.1%	36th	1,086th of 1,818
Median household income	$66,991	$69,395	$78,476	$80,734	31st	945th of 1,712
Median gross rent	$1,138	$1,109	$1,403	$1,413	31st	787th of 1,511
Rent-burdened renters	45.7%	45%	51.7%	51.1%	31st	950th of 1,692
Work from home	9.1%	10.2%	14.4%	15.1%	29th	865th of 1,810
Government workers	11%	11%	14.1%	14.5%	27th	1,375th of 1,810
Unemployment rate	3.6%	3.3%	5.3%	5.2%	26th	1,131st of 1,810
Median earnings per workerWeakness	$39,688	$39,579	$47,575	$49,666	20th	1,180th of 1,794
Tech workers	1.4%	1.3%	3.8%	3.8%	20th	899th of 1,810
Population density	157/sq mi	49/sq mi	116/sq mi	95/sq mi	18th	837th of 1,818
Residents under 18	17.1%	18.1%	25%	22%	15th	1,524th of 1,818
Average commuteStrength	19 min	21.5 min	26.7 min	26.4 min	9th	1,505th of 1,738

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

12%

5–17

18–24

11%

25–34

10%

35–44

10%

45–54

13%

55–64

16%

65–74

14%

75+

Median age

48.8

Under 18

17.1%

65 and over

30.4%

Race and ethnicity

White69%
Black2%
Hispanic25%
Asian1%
Native American0.1%
Pacific Islander0.0%
Other0.3%
Multiracial3%

Diversity index

46.2

U.S. 61.4

Foreign-born

6.5%

U.S. 14.1%

Born in state

61.6%

Language spoken at home (households)

English only

86%

Spanish

11%

Other Indo-European

Asian / Pacific

0.6%

Other

0.7%

Households

Households: 17,911
Average household size: 2.2
Family households: 62.4%
Married couples: 49.2%
Living alone: 31.8%
Veterans (of adults): 9.9%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

15%

$25–50k

20%

$50–75k

20%

$75–100k

11%

$100–150k

20%

$150–200k

$200k+

Median household income

78028

$66,991

Kerr Co.

$69,395

Texas

$78,476

United States

$80,734

Per capita income

$39,905

U.S. $44,673

Poverty rate

11.1%

U.S. 12.5%

Households earning $150K+

13.2%

U.S. 23%

Income inequality (Gini)

0.446

U.S. 0.483

Housing

Median home value

78028

$323,200

Kerr Co.

$321,200

Texas

$283,800

United States

$332,700

Median gross rent

78028

$1,138

Kerr Co.

$1,109

Texas

$1,403

United States

$1,413

Types of housing

Single-family

68%

2–4 units

5–19 units

20+ units

Mobile home

14%

Boat, RV, van

0.4%

Housing units: 19,744
Owner-occupied: 67.1%
Vacant: 9.3%
Median year built: 1986
Median rooms: 5.4
Renters paying 30%+ of income: 45.7%
Renters paying 50%+ of income: 19.5%
Home value to income: 4.8× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

74%

Carpooled

12%

Transit

0.1%

Walked

Bicycle

Worked from home

Other

Commute time (one way)

<10 min

29%

10–19

40%

20–29

11%

30–44

11%

45–59

60+

Average commute

19 min

U.S. 26.4 min

Unemployment

3.6%

U.S. 5.2%

In labor force

54.2%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Healthcare

13%

Management

12%

Office and admin

12%

Sales

10%

Construction and repair

Food service

Cleaning and personal care

Transportation and moving

Production

Education

Legal and social services

Business and finance

Police and fire

Arts, media and sports

Engineering and science

Computer and math

Farming, fishing and forestry

0.5%

Industries

Health care and social assistance

17%

Retail

13%

Restaurants and hotels

10%

Construction

Education

Other services

Professional and technical services

Finance, insurance and real estate

Manufacturing

Arts and recreation

Transportation, warehousing and utilities

Admin, support and management

Public administration

Agriculture and mining

Information

Wholesale

Median earnings per worker

$39,688

U.S. $49,666

Self-employed

16.9%

U.S. 10%

Government workers

11%

U.S. 14.5%

Nonprofit workers

10%

U.S. 8.8%

Median earnings by type of work

Type of work	78028	U.S.
Management, business, science and arts	$60,172	$74,888
Service	$22,177	$26,804
Sales and office	$34,621	$40,476
Construction and maintenance	$39,591	$49,199
Production and transportation	$43,176	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

31%

Some college

20%

Associate's

Bachelor's

19%

Graduate

13%

High school graduate or higher: 91.8%
Bachelor's degree or higher: 32.4%
Graduate or professional degree: 12.9%
Households with broadband: 91.2%
Cable, fiber or DSL: 73.2%
No internet access: 6.3%
Without health insurance: 16.1%
Limited-English households: 1.9%

Geography

City (USPS): Kerrville
State: Texas
County: Kerr County
Center point: 30.0357° N, 99.1652° W
Land area: 263 sq mi
Water area: 1.6 sq mi
Time zone: Central Time (UTC-6, UTC-5 in summer)
Zip type: Residential delivery area

78028 spans 2 counties

Kerr County84% of land
Gillespie County16% of land

Cities and towns within this zip

Kerrville8% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 78028

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
78025	Ingram, TX	7.8 mi	4,999	$70,964	$248,200
78029	Kerrville, TX	9.5 mi	0	—	—
78010	Center Point, TX	11 mi	3,635	$86,830	$318,600
78013	Comfort, TX	16 mi	4,809	$82,492	$416,300
78055	Medina, TX	17 mi	1,753	$85,345	$266,500
78024	Hunt, TX	19 mi	1,401	$105,381	$500,000
78631	Harper, TX	23 mi	3,465	$78,560	$351,600
78003	Bandera, TX	23 mi	9,967	$69,457	$242,700
78074	Waring, TX	23 mi	0	—	—
78624	Fredericksburg, TX	25 mi	23,741	$75,237	$463,300
78058	Mountain Home, TX	27 mi	985	$93,581	$245,400
78883	Tarpley, TX	27 mi	208	$40,491	$414,300

Zip codes like 78028 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 78028

What city is zip code 78028?

78028 is assigned to Kerrville, Texas. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 78028 in?

78028 is mostly in Kerr County, but it extends into 1 other county.

What is the population of 78028?

About 41,206 people live in 78028, according to the Census Bureau's American Community Survey.

What time zone is 78028 in?

78028 is in Central Time.

What is the median household income in 78028?

The median household income in 78028 is $66,991.

What zip codes are near 78028?

The closest zip codes to 78028 are 78025, 78029, 78010, 78013, 78055.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 78028, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.