ZIP Code 78624 — Fredericksburg city, TX Demographics & Data

ZIP code 78624 covers Fredericksburg, TX in Gillespie County with a population of about 23,610.

At a glance, the area shows median age of 51.1 versus a U.S. median of about 38.9.

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

Median household income in ZIP 78624 is about $67,987 — about 10% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.2%; unemployment rate near 4.0%; 36.8% of adults with a bachelor’s degree or higher (about 3.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 10.8% of workers reporting work-from-home (about 4.4 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 $439,600 — about 26% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,158 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 70.2% (about 4.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78624 in Fredericksburg, TX, a household would need roughly $121,000 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 $2,824. That is about 78% above the local median household income ($67,987), 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 Fredericksburg city, TX as Relatively Low (composite score 57.7), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (84.0) and flood (68.1). 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 Fredericksburg 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 1,114 for ZIP 78624 (Fredericksburg 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.