ZIP Code 78644 — Lockhart city, TX Demographics & Data

ZIP code 78644 covers Lockhart, TX in Caldwell County with a population of about 20,599.

At a glance, the area shows median age of 38.6 (near the U.S. median).

It sits in telephone area codes 512, 737; U.S. House district TX-27; the AUSTIN media market.

Median household income in ZIP 78644 is about $72,155 — about 4% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.7%; unemployment rate near 1.3%; 19.1% of adults with a bachelor’s degree or higher (about 14.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Public administration; about 11.3% of workers reporting work-from-home (about 3.8 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 $242,900 — about 30% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $940 (about 19% below the U.S. median rent ($1,163)), and owner-occupancy near 71.8% (about 6.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78644 in Lockhart, TX, a household would need roughly $67,000 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 $1,560. That is roughly in line with the local median household income ($72,155). 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 Lockhart city, TX as Relatively Low (composite score 79.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (87.1) and wildfire (68.0). 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 Lockhart city, TX show little to no average snow and around 35.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 972 for ZIP 78644 (Lockhart 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.