ZIP Code 78885 — undefined, TX Demographics & Data

ZIP code 78885 covers TX in Bandera County with a population of about 49.

At a glance, the area shows median age of 69.1 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.

TX reads as a military / base-oriented community on US5’s intent model (elevated veteran share (20.4%) 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 78885 is about $70,833 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 0.0%; 22.4% of adults with a bachelor’s degree or higher (about 11.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services and Arts and entertainment; a mean commute of about 7.0 minutes (U.S. average near 26.8).

Median home value is about $361,500 — about 4% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 78.6% (about 13.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78885 in TX, a household would need roughly $100,000 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 $2,322. That is about 41% above the local median household income ($70,833), 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 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 TX show little to no average snow and around 29.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2 for ZIP 78885 (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.