ZIP Code 78003 — Lake Medina Shores CDP, TX Demographics & Data

ZIP code 78003 covers Lake Medina Shores, TX in Bandera County with a population of about 9,594.

At a glance, the area shows median age of 51.2 versus a U.S. median of about 38.9.

It sits in telephone area code 830; U.S. House district TX-21; the SAN ANTONIO media market.

Median household income in ZIP 78003 is about $54,500 — about 27% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 19.0%; unemployment rate near 4.6%; 23.7% of adults with a bachelor’s degree or higher (about 10.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Retail trade; about 5.8% of workers reporting work-from-home (about 9.4 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $233,100 — about 33% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $899 (about 23% below the U.S. median rent ($1,163)), and owner-occupancy near 84.1% (about 18.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78003 in Lake Medina Shores, TX, a household would need roughly $64,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,497. That is about 17% above the local median household income ($54,500), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Lake Medina Shores CDP, TX as Relatively Low (composite score 66.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (86.7) and flood (79.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Lake Medina Shores CDP, TX show little to no average snow and around 36.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 453 for ZIP 78003 (Lake Medina Shores CDP, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.