ZIP Code 78028 — Kerrville city, TX Demographics & Data

ZIP code 78028 covers Kerrville, TX in Kerr County with a population of about 40,829.

At a glance, the area shows median age of 48.2 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.

Kerrville, TX sits in a university / college context (near schreiner university (2.0 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 78028 is about $65,486 — about 13% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.4%; unemployment rate near 2.8%; 31.5% of adults with a bachelor’s degree or higher (about 2.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Food services; about 8.7% of workers reporting work-from-home (about 6.5 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 $281,300 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $975 (about 16% below the U.S. median rent ($1,163)), and owner-occupancy near 67.6% (about 2.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78028 in Kerrville, TX, a household would need roughly $77,000 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 $1,807. That is about 18% above the local median household income ($65,486), 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 Kerrville city, TX as Relatively Low (composite score 77.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.2) and wildfire (84.4). 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 Kerrville city, TX show little to no average snow and around 30.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,926 for ZIP 78028 (Kerrville city, 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.