ZIP Code 78108 — Cibolo city, TX Demographics & Data

ZIP code 78108 covers Cibolo, TX in Guadalupe County with a population of about 48,458.

At a glance, the area shows median age of 35.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 210, 726, 830; U.S. House district TX-28; the SAN ANTONIO media market.

Cibolo, TX reads as a military / base-oriented community on US5’s intent model (elevated veteran share (21.7%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 78108 is about $117,304 — about 56% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.8%; unemployment rate near 6.6%; 39.5% of adults with a bachelor’s degree or higher (about 5.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Public administration, and Retail trade; about 11.8% of workers reporting work-from-home (about 3.4 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 $307,300 — about 12% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,797 (about 55% above the U.S. median rent ($1,163)), and owner-occupancy near 84.8% (about 19.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78108 in Cibolo, TX, a household would need roughly $85,000 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 $1,974. That sits below the local median household income ($117,304), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Cibolo city, TX as Relatively Moderate (composite score 91.5), which is among the highest nationally. The strongest component scores on US5 are flood (95.6) and wildfire (75.0). 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 Cibolo city, TX show little to no average snow.

IRS migration statistics show a net inflow of about 2,286 for ZIP 78108 (Cibolo 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.