78003 ZIP Code — Bandera, TX

Bandera County, Texas

ZIP code 78003 is located in Bandera, Texas, within Bandera County. It covers approximately 226.66 square miles and serves a population of 8,940 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 830.

About ZIP code 78003

The housing stock consists of a higher-than-average concentration of mobile homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $221,100. Owner-occupancy is high at 83%, well above the national average.

Median household income is $63,052. Poverty affects 19% of residents, above the national average. 48% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 39 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 78003 reflects a community defined by economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

8,940

population

226.66

sq mi land

Standard

ZIP type

Central (CT)

timezone

78003 ZIP code map

Cities in ZIP code 78003

Below are the cities the US Postal Service accepts for ZIP code 78003. Using any city not on this list may result in mail delivery delays.

City	Status
Bandera	Preferred

Nearby ZIP codes

78883 Tarpley (11.8 mi) 78010 Center Point (12.4 mi) 78055 Medina (13.4 mi) 78063 Pipe Creek (14.3 mi) 78056 Mico (18 mi) 78028 Kerrville (19.1 mi)

Demographics updated 06/2026

Population
Total population	8,940
Population density	39 / sq mi
State FIPS	48
County FIPS	019

Geography
Land area	226.66 sq mi
Water area	1.36 sq mi
Latitude	29.7416
Longitude	-99.1126
Timezone	Central (CT)
Area code	830

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	38.2%	39.5%
$50k – $100k	38.3%	36.8%	30.1%
$100k – $200k	16.4%	19.1%	22.6%
Over $200k	3.4%	5.9%	7.8%

Demographics & statistics

8,940

Population

People per sq mi

52.0

Median age

$63,052

Median household income

$34,066

Per capita income

$221,100

Median home value

$962

Median monthly rent

83.3%

Home ownership

19.0%

Poverty rate

5.0%

Unemployment

4,369

Housing units

27.1%

Bachelor's or higher

Age distribution

Male Female

196

Under 5

222

430

5–9

485

340

10–14

384

15–19

109

147

20–24

165

301

25–34

340

331

35–44

374

539

45–54

609

249

55–59

282

375

60–64

423

692

65–74

781

410

75–84

462

85+

104

← Male

Female →

Age summary

Group	Count	%
Under 18	2,192	24.5%
18 and over	6,748	75.5%
65 and over	2,542	28.4%
Median age	52.0 years

Race & ethnicity

White 69.8%

Hispanic or Latino 13.6%

Two or more races 10.9%

Other race 3.8%

American Indian / Alaska Native 0.9%

Black or African American 0.8%

Asian 0.2%

Group	Count	%
White	7,218	69.8%
Hispanic or Latino	1,403	13.6%
Two or more races	1,131	10.9%
Other race	393	3.8%
American Indian / Alaska Native	96	0.9%
Black or African American	85	0.8%
Asian	17	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	41.9%	38.2%	39.5%
$50k – $100k	38.3%	36.8%	30.1%
$100k – $200k	16.4%	19.1%	22.6%
Over $200k	3.4%	5.9%	7.8%

Under $10k 6.1%

$10k–$15k 5.1%

$15k–$25k 10.8%

$25k–$35k 12.6%

$35k–$50k 9.8%

$50k–$75k 13.3%

$75k–$100k 13.8%

$100k–$150k 14.7%

$150k–$200k 9.3%

$200k+ 4.6%

Range	% of households
Under $10k	6.1%
$10k–$15k	5.1%
$15k–$25k	10.8%
$25k–$35k	12.6%
$35k–$50k	9.8%
$50k–$75k	13.3%
$75k–$100k	13.8%
$100k–$150k	14.7%
$150k–$200k	9.3%
$200k+	4.6%
Median income	$63,052

Housing

Home values

Under $50k 5.3%

$50k–$100k 14.5%

$100k–$150k 14.3%

$150k–$200k 11.3%

$200k–$300k 20.7%

$300k–$500k 22.9%

$500k–$1M 9.0%

$1M+ 2.0%

Housing overview

Metric	Value
Median home value	$221,100
Median rent / month	$962
Owner occupied	83.3%
Renter occupied	16.7%
Vacant	25.7%
Single-family detached	66.7%
Large apartment buildings	0.0%
Mobile homes	27.9%
Median rooms	5.2
Avg household size (owned)	2.29

Year built

Era	%
2020 or later	0.0%
2010–2019	13.9%
2000–2009	29.8%
1990–1999	22.0%
1980–1989	9.2%
1970–1979	7.2%
1960–1969	1.6%
1950–1959	5.3%
1940–1949	3.1%
1939 or earlier	7.9%

Bedrooms

Size	% of units
No bedroom (studio)	5.4%
1 bedroom	10.6%
2 bedrooms	29.9%
3 bedrooms	42.0%
4 bedrooms	9.2%
5+ bedrooms	2.8%

Vehicles per household

Vehicles	% of households
No vehicle	0.9%
1 vehicle	33.4%
2 vehicles	40.8%
3 or more	24.8%

Heating fuel

Fuel type	%
Utility gas	7.7%
Electricity	80.4%
Propane / LP gas	9.9%
Wood	2.0%

Households & families

Household type	Count	%
Married-couple family	1,977	53.4%
Cohabiting couple	41	1.1%
Male householder, no spouse	633	17.1%
Female householder, no spouse	1,054	28.4%
Households with children under 18	829	22.4%
Households with seniors (65+)	1,929	52.1%
Average household size	2.37

Marital status

Status	Male	Female
Never married	12.5%	14.1%
Married	71.4%	52.0%
Separated	0.1%	0.9%
Widowed	5.3%	15.8%
Divorced	10.8%	17.3%

Education

Less than 9th grade 1.7%

Some HS, no diploma 7.1%

HS graduate 28.3%

Some college, no degree 21.7%

Associate's degree 14.1%

Bachelor's degree 15.4%

Graduate / professional 11.7%

Metric	%
HS diploma or higher	91.2%
Bachelor's or higher	27.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	71	3.6%
Kindergarten	41	2.1%
Elementary school	1,500	76.1%
High school	175	8.9%
College / grad school	183	9.3%

Employment

Industry of employment

Education & healthcare 22.2%

Professional & management 15.9%

Construction 14.2%

Retail trade 8.7%

Arts, food & hospitality 8.5%

Other services 8.2%

Finance & real estate 7.5%

Agriculture & mining 4.1%

Transportation & utilities 4.1%

Public administration 3.7%

Manufacturing 1.9%

Wholesale trade 1.0%

Occupation

Category	%
Management, business & arts	35.1%
Service	23.9%
Sales & office	18.1%
Natural resources & construction	17.2%
Production & transportation	5.8%

Employment type

Type	%
Private sector	78.3%
Government	11.3%
Self-employed	10.4%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.2%
Carpool	10.2%
Public transit	0.0%
Walk	1.2%
Work from home	4.9%
Other means	3.6%
Avg commute (minutes)	39.2

Poverty

All people 19.0%

Under 18 years 30.4%

18 and over 15.9%

Married-couple families 12.2%

Female-led households 49.7%

Income support

Source	% of households
Social Security	48.4%
Retirement income	28.9%
Supplemental Security	5.5%
Cash public assistance	2.5%
Food stamps / SNAP	8.4%

Health indicators

Condition	%
Obesity	35.1%
High blood pressure	40.6%
High cholesterol	41.1%
Diabetes	13.8%
Heart disease	8.8%
Stroke	3.8%
Asthma	9.1%
Arthritis	29.2%
Kidney disease	3.6%
Pulmonary disease	8.9%
Cancer	8.1%

Behavior / access	%
Smoking	18.5%
Binge drinking	16.8%
No physical activity	25.8%
Less than 7 hrs sleep	33.1%
Depression	22.1%
Fair or poor health	18.8%
Poor mental health	14.4%
Poor physical health	13.0%
No health insurance	22.8%
Visited doctor (checkup)	72.4%
Visited dentist	54.5%
Cholesterol screening	91.7%
Teeth loss	14.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	823	12.2%

Disability	%
Any disability	18.3%
Under 18	17.8%
18–64 years	9.2%
65 and over	34.0%

Health insurance coverage

Type	%
Private insurance	62.6%
Public insurance	46.8%
No insurance	14.0%
Uninsured under 19	15.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,522	95.3%
Spanish	226	2.7%
Other Indo-European	212	2.5%
Asian & Pacific Islander	14	0.2%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	8,654	96.8%
Born in same state	8,587	96.1%
Born in different state	5,640	63.1%
Foreign born	67	0.7%
Naturalized citizen	286	3.2%
Not a US citizen	64	22.4%

Ancestry

Ancestry	Count	%
French	1,496	16.7%
Italian	1,159	13%
Arab	245	2.7%
English	88	1%

Ancestry	Count	%
Polish	16	0.2%
German	10	0.1%
Irish	9	0.1%
Dutch	7	0.1%

Technology access

Metric	% of households
Computer access	41.4%
Internet access	90.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 78003

What city is ZIP code 78003 in?

ZIP code 78003 is primarily assigned to Bandera, Texas.

What county is ZIP code 78003 in?

ZIP code 78003 falls within Bandera County, Texas.

Does ZIP code 78003 have an older population?

28% of residents in ZIP code 78003 are 65 or older, above the national average of ~17%.

Does ZIP code 78003 have a large retiree population?

48% of households in ZIP code 78003 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 78003?

19% of residents in ZIP code 78003 live below the poverty line, above the national average.

Is ZIP code 78003 mostly owner-occupied?

83% of occupied units in ZIP code 78003 are owner-occupied, well above the national average.

What timezone is ZIP code 78003 in?

ZIP code 78003 observes the CST timezone.