78028 ZIP Code — Kerrville, TX

Kerr County, Texas

ZIP code 78028 is located in Kerrville, Texas, within Kerr County. It covers approximately 263.32 square miles and serves a population of 39,906 residents. This is a standard ZIP code in the Central (CT) timezone, served by area code 830.

About ZIP code 78028

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $259,300. Owner-occupancy sits near the national average at 68%.

Median household income is $64,768. 46% 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. The average commute of 18 minutes is near the national average.

Educational attainment is near the national average, with 30% of residents holding a bachelor's degree or higher.

16% of residents lack health insurance, above the national average.

39,906

population

263.32

sq mi land

Standard

ZIP type

Central (CT)

timezone

78028 ZIP code map

Cities in ZIP code 78028

Below are the cities the US Postal Service accepts for ZIP code 78028. Using any city not on this list may result in mail delivery delays.

City	Status
Kerrville	Preferred

Nearby ZIP codes

78010 Center Point (11 mi) 78003 Bandera (19.1 mi) 78013 Comfort (19.4 mi) 78055 Medina (19.7 mi)

Demographics updated 07/2026

Population
Total population	39,906
Population density	152 / sq mi
State FIPS	48
County FIPS	265

Geography
Land area	263.32 sq mi
Water area	1.59 sq mi
Latitude	30.0171
Longitude	-99.1403
Timezone	Central (CT)
Area code	830

Total population by age

Gender

Race & ethnicity

Economics updated 07/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.0%	43.2%	39.5%
$50k – $100k	32.6%	33.4%	30.1%
$100k – $200k	20.0%	19.5%	22.6%
Over $200k	3.4%	3.9%	7.8%

Demographics & statistics

39,906

Population

152

People per sq mi

47.2

Median age

$64,768

Median household income

$37,382

Per capita income

$259,300

Median home value

$1,068

Median monthly rent

68.0%

Home ownership

12.8%

Poverty rate

3.2%

Unemployment

13,204

Housing units

30.4%

Bachelor's or higher

Age distribution

Male Female

979

Under 5

1,075

826

5–9

907

1,054

10–14

1,156

1,168

15–19

1,283

1,249

20–24

1,371

2,060

25–34

2,261

1,823

35–44

2,001

1,949

45–54

2,139

991

55–59

1,087

1,329

60–64

1,458

2,958

65–74

3,246

1,794

75–84

1,969

845

85+

928

← Male

Female →

Age summary

Group	Count	%
Under 18	7,342	18.4%
18 and over	32,564	81.6%
65 and over	11,740	29.4%
Median age	47.2 years

Race & ethnicity

White 68.7%

Hispanic or Latino 13.4%

Two or more races 8.8%

Other race 6.5%

Black or African American 1.4%

Asian 0.7%

American Indian / Alaska Native 0.5%

Group	Count	%
White	31,661	68.7%
Hispanic or Latino	6,194	13.4%
Two or more races	4,063	8.8%
Other race	2,996	6.5%
Black or African American	642	1.4%
Asian	325	0.7%
American Indian / Alaska Native	219	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	44.0%	43.2%	39.5%
$50k – $100k	32.6%	33.4%	30.1%
$100k – $200k	20.0%	19.5%	22.6%
Over $200k	3.4%	3.9%	7.8%

Under $10k 3.8%

$10k–$15k 3.8%

$15k–$25k 8.2%

$25k–$35k 6.2%

$35k–$50k 16.0%

$50k–$75k 18.5%

$75k–$100k 13.9%

$100k–$150k 17.6%

$150k–$200k 6.3%

$200k+ 5.8%

Range	% of households
Under $10k	3.8%
$10k–$15k	3.8%
$15k–$25k	8.2%
$25k–$35k	6.2%
$35k–$50k	16.0%
$50k–$75k	18.5%
$75k–$100k	13.9%
$100k–$150k	17.6%
$150k–$200k	6.3%
$200k+	5.8%
Median income	$64,768

Housing

Home values

Under $50k 8.3%

$50k–$100k 5.5%

$100k–$150k 8.9%

$150k–$200k 14.2%

$200k–$300k 25.4%

$300k–$500k 24.7%

$500k–$1M 10.4%

$1M+ 2.6%

Housing overview

Metric	Value
Median home value	$259,300
Median rent / month	$1,068
Owner occupied	68.0%
Renter occupied	32.0%
Vacant	9.3%
Single-family detached	66.6%
Large apartment buildings	3.7%
Mobile homes	13.9%
Median rooms	5.4
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	1.2%
2010–2019	9.4%
2000–2009	15.6%
1990–1999	15.0%
1980–1989	20.4%
1970–1979	18.5%
1960–1969	6.9%
1950–1959	5.5%
1940–1949	4.7%
1939 or earlier	2.8%

Bedrooms

Size	% of units
No bedroom (studio)	2.1%
1 bedroom	7.9%
2 bedrooms	30.7%
3 bedrooms	49.9%
4 bedrooms	7.3%
5+ bedrooms	2.0%

Vehicles per household

Vehicles	% of households
No vehicle	5.1%
1 vehicle	34.9%
2 vehicles	43.1%
3 or more	16.9%

Heating fuel

Fuel type	%
Utility gas	18.2%
Electricity	76.2%
Propane / LP gas	4.3%
Wood	0.8%
No fuel used	0.2%

Households & families

Household type	Count	%
Married-couple family	7,998	47.4%
Cohabiting couple	1,065	6.3%
Male householder, no spouse	2,949	17.5%
Female householder, no spouse	4,866	28.8%
Households with children under 18	3,840	22.8%
Households with seniors (65+)	7,917	46.9%
Average household size	2.27

Marital status

Status	Male	Female
Never married	31.8%	21.5%
Married	52.1%	48.3%
Separated	0.8%	2.1%
Widowed	5.3%	13.6%
Divorced	9.9%	14.5%

Education

Less than 9th grade 3.3%

Some HS, no diploma 6.3%

HS graduate 28.7%

Some college, no degree 24.1%

Associate's degree 7.3%

Bachelor's degree 17.9%

Graduate / professional 12.5%

Metric	%
HS diploma or higher	90.4%
Bachelor's or higher	30.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	583	7.8%
Kindergarten	368	4.9%
Elementary school	2,940	39.4%
High school	1,849	24.8%
College / grad school	1,727	23.1%

Employment

Industry of employment

Education & healthcare 25.5%

Retail trade 13.7%

Arts, food & hospitality 13.5%

Construction 9.6%

Professional & management 8.9%

Finance & real estate 6.4%

Manufacturing 6.0%

Other services 5.9%

Public administration 3.5%

Transportation & utilities 3.0%

Agriculture & mining 1.9%

Wholesale trade 1.4%

Information 0.8%

Occupation

Category	%
Management, business & arts	36.1%
Service	20.9%
Sales & office	24.1%
Natural resources & construction	9.1%
Production & transportation	9.6%

Employment type

Type	%
Private sector	75.7%
Government	12.4%
Self-employed	11.8%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	74.2%
Carpool	13.1%
Public transit	0.2%
Walk	2.6%
Work from home	7.9%
Other means	2.1%
Avg commute (minutes)	18.2

Poverty

All people 12.8%

Under 18 years 16.6%

18 and over 11.9%

Married-couple families 2.8%

Female-led households 24.6%

Income support

Source	% of households
Social Security	46.1%
Retirement income	34.6%
Supplemental Security	3.9%
Cash public assistance	2.4%
Food stamps / SNAP	7.3%

Health indicators

Condition	%
Obesity	34.7%
High blood pressure	39.8%
High cholesterol	40.6%
Diabetes	13.8%
Heart disease	9.2%
Stroke	4.0%
Asthma	8.9%
Arthritis	29.4%
Kidney disease	3.8%
Pulmonary disease	8.5%
Cancer	8.8%

Behavior / access	%
Smoking	16.3%
Binge drinking	15.8%
No physical activity	25.5%
Less than 7 hrs sleep	31.6%
Depression	20.9%
Fair or poor health	18.3%
Poor mental health	13.8%
Poor physical health	12.4%
No health insurance	24.7%
Visited doctor (checkup)	75.2%
Visited dentist	58.2%
Cholesterol screening	90.9%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	3,280	10.1%

Disability	%
Any disability	15.5%
Under 18	1.6%
18–64 years	11.1%
65 and over	32.5%

Health insurance coverage

Type	%
Private insurance	63.4%
Public insurance	41.9%
No insurance	16.0%
Uninsured under 19	18.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	37,852	94.9%
Spanish	1,267	3.3%
Other Indo-European	1,193	3.2%
Asian & Pacific Islander	47	0.1%
Other languages	27	0.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	37,386	93.7%
Born in same state	37,022	92.8%
Born in different state	25,198	63.1%
Foreign born	364	0.9%
Naturalized citizen	2,520	6.3%
Not a US citizen	1,382	54.8%

Ancestry

Ancestry	Count	%
French	6,832	17.1%
Italian	4,047	10.1%
Arab	1,853	4.6%
Polish	886	2.2%
English	314	0.8%

Ancestry	Count	%
German	138	0.3%
Dutch	133	0.3%
Irish	60	0.2%
Norwegian	13	0%

Technology access

Metric	% of households
Computer access	42.3%
Internet access	95.4%

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

Frequently asked questions about ZIP code 78028

What city is ZIP code 78028 in?

ZIP code 78028 is primarily assigned to Kerrville, Texas.

What county is ZIP code 78028 in?

ZIP code 78028 falls within Kerr County, Texas.

Does ZIP code 78028 have an older population?

29% of residents in ZIP code 78028 are 65 or older, above the national average of ~17%.

Does ZIP code 78028 have a large retiree population?

46% of households in ZIP code 78028 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 78028 have a large veteran population?

10% of civilians in ZIP code 78028 are veterans, above the national average of ~7%.

What is the population of ZIP code 78028?

ZIP code 78028 has an estimated population of 39,906 residents, with a density of 152 people per square mile.

What timezone is ZIP code 78028 in?

ZIP code 78028 observes the CST timezone.