Estimated zip code population in 2019: 40,379 Zip code population in 2010: 37,620 Zip code population in 2000: 33,883
Houses and condos: 18,675 Renter-occupied apartments: 5,331
% of renters here:
31%
State:
38%
March 2019 cost of living index in zip code 78028: 81.5 (low, U.S. average is 100)
Land area: 250.7 sq. mi. Water area: 1.6 sq. mi.
Population density: 161 people per square mile
(very low).
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Real estate property taxes paid for housing units in 2019:
This zip code:
1.2% ($2,447)
Texas:
1.7% ($3,390)
Median real estate property taxes paid for housing units with mortgages in 2019: $2,704 (1.3%) Median real estate property taxes paid for housing units with no mortgage in 2019: $2,258 (1.1%)
Estimated median house/condo value in 2019: $201,135
78028:
$201,135
Texas:
$200,400
According to our research of Texas and other state lists, there were 98 registered sex offenders living in 78028 zip code as of March 24, 2023. The ratio of all residents to sex offenders in zip code 78028 is 415 to 1. The ratio of registered sex offenders to all residents in this zip code is near the state average.
Median resident age:
This zip code:
48.7 years
Texas median age:
35.1 years
Average household size:
This zip code:
2.3 people
Texas:
2.8 people
Averages for the 2012 tax year for zip code 78028, filed in 2013:
Average Adjusted Gross Income (AGI) in 2012: $58,034 (Individual Income Tax Returns)
Here:
$58,034
State:
$65,384
Salary/wage: $39,022 (reported on 70.4% of returns)
Here:
$39,022
State:
$52,524
(% of AGI for various income ranges: 68.3% for AGIs below $25k, 65.3% for AGIs $25k-50k, 56.2% for AGIs $50k-75k, 50.0% for AGIs $75k-100k, 45.4% for AGIs $100k-200k, 28.0% for AGIs over 200k)
Taxable interest for individuals: $3,276 (reported on 37.5% of returns)
This zip code:
$3,276
Texas:
$2,372
(% of AGI for various income ranges: 1.9% for AGIs below $25k, 1.7% for AGIs $25k-50k, 1.5% for AGIs $50k-75k, 2.0% for AGIs $75k-100k, 2.1% for AGIs $100k-200k, 2.8% for AGIs over 200k)
Ordinary dividends: $11,214 (reported on 23.9% of returns)
Here:
$11,214
State:
$9,721
(% of AGI for various income ranges: 3.1% for AGIs below $25k, 2.2% for AGIs $25k-50k, 2.8% for AGIs $50k-75k, 3.8% for AGIs $75k-100k, 4.8% for AGIs $100k-200k, 7.3% for AGIs over 200k)
Net capital gain/loss in AGI: +$15,195 (reported on 21.7% of returns)
Here:
+$15,195
State:
+$35,319
(% of AGI for various income ranges: 0.5% for AGIs $25k-50k, 0.6% for AGIs $50k-75k, 1.6% for AGIs $75k-100k, 3.7% for AGIs $100k-200k, 15.5% for AGIs over 200k)
Profit/loss from business: +$17,240 (reported on 19.3% of returns)
Here:
+$17,240
State:
+$13,732
(% of AGI for various income ranges: 9.6% for AGIs below $25k, 4.4% for AGIs $25k-50k, 4.2% for AGIs $50k-75k, 4.2% for AGIs $75k-100k, 5.0% for AGIs $100k-200k, 7.0% for AGIs over 200k)
Taxable individual retirement arrangement distribution: $23,239 (reported on 16.7% of returns)
78028:
$23,239
Texas:
$19,511
(% of AGI for various income ranges: 3.7% for AGIs below $25k, 3.9% for AGIs $25k-50k, 5.1% for AGIs $50k-75k, 6.9% for AGIs $75k-100k, 9.4% for AGIs $100k-200k, 7.7% for AGIs over 200k)
Self-employment retirement plans: $20,330 (reported on 0.6% of returns)
78028:
$20,330
Texas:
$23,938
(% of AGI for various income ranges: 0.2% for AGIs $50k-75k, 0.2% for AGIs $100k-200k, 0.4% for AGIs over 200k)
Total itemized deductions: $24,042 (19% of AGI, reported on 24.6% of returns)
Here:
$24,042
State:
$24,724
Here:
19.1% of AGI
State:
15.9% of AGI
(% of AGI for various income ranges: 9.1% for AGIs below $25k, 9.5% for AGIs $25k-50k, 10.8% for AGIs $50k-75k, 11.7% for AGIs $75k-100k, 12.4% for AGIs $100k-200k, 8.5% for AGIs over 200k)
Charity contributions: $7,115 (reported on 20.4% of returns)
Here:
$7,115
State:
$6,808
(% of AGI for various income ranges: 1.0% for AGIs below $25k, 1.4% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.4% for AGIs $75k-100k, 3.1% for AGIs $100k-200k, 3.5% for AGIs over 200k)
Taxes paid: $6,399 (reported on 24.3% of returns)
78028:
$6,399
State:
$6,921
(% of AGI for various income ranges: 1.7% for AGIs below $25k, 2.1% for AGIs $25k-50k, 2.7% for AGIs $50k-75k, 3.2% for AGIs $75k-100k, 3.7% for AGIs $100k-200k, 2.3% for AGIs over 200k)
Earned income credit: $2,332 (reported on 19.8% of returns)
Here:
$2,332
State:
$2,570
(% of AGI for various income ranges: 6.6% for AGIs below $25k, 1.2% for AGIs $25k-50k)
Percentage of individuals using paid preparers for their 2012 taxes: 49.3%
Here:
49%
State:
51%
(% for various income ranges: 43.4% for AGIs below $25k, 46.7% for AGIs $25k-50k, 53.0% for AGIs $50k-75k, 54.7% for AGIs $75k-100k, 62.7% for AGIs $100k-200k, 79.3% for AGIs over 200k)
Averages for the 2004 tax year for zip code 78028, filed in 2005:
Average Adjusted Gross Income (AGI) in 2004: $45,665 (Individual Income Tax Returns)
Here:
$45,665
State:
$47,881
Salary/wage: $32,334 (reported on 68.1% of returns)
Here:
$32,334
State:
$41,947
(% of AGI for various income ranges: 159.7% for AGIs below $10k, 65.3% for AGIs $10k-25k, 61.6% for AGIs $25k-50k, 53.0% for AGIs $50k-75k, 48.3% for AGIs $75k-100k, 32.7% for AGIs over 100k)
Taxable interest for individuals: $3,743 (reported on 46.3% of returns)
This zip code:
$3,743
Texas:
$2,255
(% of AGI for various income ranges: 20.1% for AGIs below $10k, 4.0% for AGIs $10k-25k, 3.6% for AGIs $25k-50k, 3.5% for AGIs $50k-75k, 3.4% for AGIs $75k-100k, 3.7% for AGIs over 100k)
Taxable dividends: $6,567 (reported on 30.4% of returns)
Here:
$6,567
State:
$4,261
(% of AGI for various income ranges: 13.3% for AGIs below $10k, 2.8% for AGIs $10k-25k, 2.4% for AGIs $25k-50k, 3.0% for AGIs $50k-75k, 3.7% for AGIs $75k-100k, 6.2% for AGIs over 100k)
Net capital gain/loss: +$16,196 (reported on 27.4% of returns)
Here:
+$16,196
State:
+$16,110
(% of AGI for various income ranges: 4.4% for AGIs below $10k, 0.6% for AGIs $10k-25k, 1.1% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 2.9% for AGIs $75k-100k, 21.7% for AGIs over 100k)
Profit/loss from business: +$13,672 (reported on 19.7% of returns)
Here:
+$13,672
State:
+$11,013
(% of AGI for various income ranges: 13.1% for AGIs below $10k, 6.3% for AGIs $10k-25k, 4.5% for AGIs $25k-50k, 4.3% for AGIs $50k-75k, 5.8% for AGIs $75k-100k, 7.0% for AGIs over 100k)
IRA payment deduction: $3,446 (reported on 2.8% of returns)
78028:
$3,446
Texas:
$3,120
(% of AGI for various income ranges: 0.2% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 0.1% for AGIs over 100k)
Self-employed pension: $15,215 (reported on 0.9% of returns)
Here:
$15,215
Texas:
$16,401
(% of AGI for various income ranges: 0.1% for AGIs $25k-50k, 0.1% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 0.5% for AGIs over 100k)
Total itemized deductions: $21,049 (24% of AGI, reported on 25.3% of returns)
Here:
$21,049
State:
$19,631
Here:
23.5% of AGI
State:
18.9% of AGI
(% of AGI for various income ranges: 40.1% for AGIs below $10k, 9.7% for AGIs $10k-25k, 10.9% for AGIs $25k-50k, 12.9% for AGIs $50k-75k, 13.8% for AGIs $75k-100k, 10.6% for AGIs over 100k)
Charity contributions deductions: $5,747 (6% of AGI, reported on 22.0% of returns)
Here:
$5,747
State:
$4,753
Here:
6.1% of AGI
State:
4.2% of AGI
(% of AGI for various income ranges: 2.1% for AGIs below $10k, 1.5% for AGIs $10k-25k, 1.9% for AGIs $25k-50k, 2.4% for AGIs $50k-75k, 3.0% for AGIs $75k-100k, 3.6% for AGIs over 100k)
Total tax: $7,744 (reported on 73.1% of returns)
78028:
$7,744
State:
$9,058
(% of AGI for various income ranges: 6.5% for AGIs below $10k, 3.9% for AGIs $10k-25k, 6.7% for AGIs $25k-50k, 9.2% for AGIs $50k-75k, 11.2% for AGIs $75k-100k, 19.1% for AGIs over 100k)
Earned income credit: $1,886 (reported on 17.4% of returns)
Here:
$1,886
State:
$2,024
Percentage of individuals using paid preparers for their 2004 taxes: 57.4%
Here:
57%
State:
57%
(% for various income ranges: 51.1% for AGIs below $10k, 58.4% for AGIs $10k-25k, 57.3% for AGIs $25k-50k, 57.1% for AGIs $50k-75k, 57.5% for AGIs $75k-100k, 72.0% for AGIs over 100k)
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)
Lesbian couples: 0.0% of all households
Gay men: 0.1% of all households
Household received Food Stamps/SNAP in the past 12 months: 1,616 Household did not receive Food Stamps/SNAP in the past 12 months: 15,548
Women who had a birth in the past 12 months: 471 (311 now married, 160 unmarried) Women who did not have a birth in the past 12 months: 7,014 (3,147 now married, 3,859 unmarried)
Housing units in zip code 78028 with a mortgage: 4,699 (36 second mortgage, 139 home equity loan, 4 both second mortgage and home equity loan) Houses without a mortgage: 7,218
Median monthly owner costs for units with a mortgage: $1,329 Median monthly owner costs for units without a mortgage: $481
Residents with income below the poverty level in 2019:
This zip code:
10.4%
Whole state:
13.6%
Residents with income below 50% of the poverty level in 2019:
This zip code:
5.9%
Whole state:
7.6%
Median number of rooms in houses and condos:
Here:
5.9
State:
6.3
Median number of rooms in apartments:
Here:
4.4
State:
4.1
Notable locations in this zip code not listed on our city pages
Notable locations in zip code 78028: A Real Ranch (A), Camp Chrysalis (B), Camp Maddox (C), Camp Pearl Wheat (D), Cottonwood Ranch (E), H Real Ranch (F), H-Bar-H Ranch (G), Kickapoo Camp (H), L Real Ranch (I), Lazy Hills Ranch (J), Lions Camp for Crippled Children (K), Rocky Ford Ranch (L), Rocky Ridge Ranch (M), Trails End Ranch (N), Kerr County Courthouse (O), Masonic Building (P), Turtle Creek Volunteer Fire Department (Q), Kerrville Fire Department Station 2 (R), Tierra Linda Volunteer Fire Department (S), Riverside Nature Center (T). Display/hide their locations on the map
Churches in zip code 78028 include: Saint Paul Church (A), Trinity Church (B), Holy Cross Lutheran Church (C), Church of Christ Junction Highway (D), Sunrise Baptist Church (E), Crossroads Baptist Church (F). Display/hide their locations on the map
Cemeteries: Henderson Cemetery (1), Mountain View Cemetery (2), Brown Cemetery (3), Glen Rose Cemetery (4), Guadalupe Cemetery (5), Nichols Cemetery (6), Colbath Cemetery (7). Display/hide their locations on the map
Reservoirs: Kerrville Lake (A), Tierra Linda Lower Reservoir (B), Tierra Linda Upper Reservoir (C), Town Creek Reservoir Number 1 (D), Town Creek Reservoir Number 4 (E), Camp Meeting Creek Reservoir (F), Kerrville Ponding Lake (G), South Lake (H). Display/hide their locations on the map
Streams, rivers, and creeks: Wolf Creek (A), Town Creek (B), Tomas Creek (C), Third Creek (D), Stone Creek (E), Spring Branch (F), Spanish Oak Creek (G), South Creek (H), Silver Creek (I). Display/hide their locations on the map
Parks in zip code 78028 include: Kerrville City Park (1), Schultz Park (2), Richard Park (3), Carver Park (4), Louise Hays Park (5), Kerrville State Park (6), Flatrock Park (7), Carver Park (8). Display/hide their locations on the map
3,717 married couples with children.
2,791 single-parent households (735 men, 2,056 women).
88.1% of residents of 78028 zip code speak English at home.
11.9% of residents speak Spanish at home (70% very well, 22% well, 6% not well, 2% not at all).
0.5% of residents speak other Indo-European language at home (100% very well).
0.3% of residents speak Asian or Pacific Island language at home (23% very well, 77% well).
Foreign born population: 2,082 (5.2%) (38.3% of them are naturalized citizens)
Facilities with environmental interests located in this zip code:
A-1 TRANSMISSIONS INC (2612 CUMMNGS LN in KERRVILLE, TX)
(Resource Conservation and Recovery Act (tracking hazardous waste))
ALAMO CONCRETE PRODUCTS, LTD. (624 COTTON GIN LANE in KERRVILLE, TX)
National Pollutant Discharge Elimination System NON-MAJOR (Tracking pollutant discharge elimination systems) - permit Business SIC classification: READY-MIXED CONCRETE
Housing units lacking complete plumbing facilities: 1.7% Housing units lacking complete kitchen facilities: 2.7%
75.1%Electricity
18.6%Utility gas
4.1%Bottled, tank, or LP gas
1.2%Wood
Population in 1990: 26,128. Population change in the 1990s: +7,755 (+29.7%).
Place of birth for U.S.-born residents:
This state: 26,562
Northeast: 1,098
Midwest: 3,921
South: 2,898
West: 3,461
52% of the 78028 zip code residents lived in the same house 5 years ago. Out of people who lived in different houses, 44% lived in this county. Out of people who lived in different counties, 50% lived in Texas.
87% of the 78028 zip code residents lived in the same house 1 year ago. Out of people who lived in different houses, 52% moved from this county. Out of people who lived in different houses, 36% moved from different county within same state. Out of people who lived in different houses, 10% moved from different state. Out of people who lived in different houses, 2% moved from abroad.
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 503
Here:
14.7%
Texas:
7.0%
Students in private schools in grades 9 to 12 (high school): 144
Here:
8.4%
Texas:
6.6%
Students in private undergraduate colleges: 367
Here:
28.6%
Texas:
14.3%
Occupation by median earnings in the past 12 months ($)
75,147Legal occupations
74,301Architecture and engineering occupations
63,811Management occupations
63,199Health diagnosing and treating practitioners and other technical occupations
57,014Life, physical, and social science occupations
56,335Law enforcement workers including supervisors
Companies with federal contracts located in this zip code (KERRVILLE, TX):
COVERT INDUSTRIES, LTD (93 CORONADO DR STE 2; small business) : $6,601,188 in 405 contractsfrom 1999 to 2006
Contracts for Vehicular Cab, Body, and Frame Structural Components, Optical Instruments, Test Equipment, Components and Accessories, Vehicular Furniture and Accessories, Vehicular Brake, Steering, Axle, Wheel, and Track Components, and moreby Defense Logistics Agency, Army Signed by year:2000: $375,013; 2001: $242,752; 2002: $520,453; 2003: $445,325; 2004: $1,690,295; 2005: $2,643,921; 2006: $644,169.
Biggest contracts:
$185,744 with Defense Logistics Agency for Vehicular Cab, Body, and Frame Structural Components. Signed on 2005-04-08. Completion date: 2005-10-23.
$134,415 with Defense Logistics Agency for Optical Instruments, Test Equipment, Components and Accessories. Signed on 2004-12-03. Completion date: 2005-04-22.
$116,925 with Defense Logistics Agency for Vehicular Furniture and Accessories. Signed on 2003-10-09. Completion date: 2004-01-28.
$105,364 with Defense Logistics Agency for Vehicular Brake, Steering, Axle, Wheel, and Track Components. Signed on 2005-04-11. Completion date: 2005-08-31.
HARRY A CLAYPOOL (207 OAK LANE; small business) : $1,055,186 in 9 contractsfrom 1999 to 2006
Contracts for Radiology Services, General Health Care Services by Army Signed by year:2000: $172,800; 2001: $172,800; 2002: $186,200; 2003: $182,400; 2004: $0; 2005: $221,100; 2006: -$100.
Biggest contracts:
$221,100 with Army for Radiology Services. Signed on 2005-10-13. Completion date: 2006-09-30.
$186,200 with Army for General Health Care Services. Signed on 2002-10-15. Completion date: 2005-09-30.
$182,400, same as above.Signed on 2003-10-23. Completion date: 2005-09-30.
$172,800, same as above.Signed on 2001-10-18. Completion date: 2005-09-30.
CRIPCO INC (88 CORONADO DR STE 1; small business) : $622,264 in 67 contractsfrom 2000 to 2006
Contracts for Vehicular Furniture and Accessories, Coil, Flat, Leaf, and Wire Springs, Hardware, Commercial, Fittings for Rope, Cable, and Chain, and moreby Defense Logistics Agency, Army Signed by year:2000: $34,813; 2001: $0; 2002: $0; 2003: $120,474; 2004: $140,296; 2005: $208,229; 2006: $118,452.
Biggest contracts:
$59,864 with Defense Logistics Agency for Vehicular Furniture and Accessories. Signed on 2003-12-09. Completion date: 2004-05-07.
$47,850 with Defense Logistics Agency for Coil, Flat, Leaf, and Wire Springs. Signed on 2003-12-11. Completion date: 2003-12-11.
$43,371 with Defense Logistics Agency for Hardware, Commercial. Taking place in MI. Signed on 2006-05-11. Completion date: 2006-11-16.
$34,813 with Defense Logistics Agency for Fittings for Rope, Cable, and Chain. Signed on 2000-08-07. Completion date: 2001-01-04.
TACTICAL USA (820 MAIN ST; small business) : $428,004 in 9 contractsfrom 2002 to 2003
Contracts for Miscellaneous Weapons, Ammunition Maintenance, Repair, and Checkout Specialized Equipment, Miscellaneous Items, Clothing, Special Purpose, and moreby Air Force, ENERGY, Department of, Department of State, Army, and others Signed by year:2000: $0; 2001: $0; 2002: $260,554; 2003: $167,450; 2004: $0; 2005: $0; 2006: $0.
Biggest contracts:
$190,097 with Air Force for Miscellaneous Weapons. Signed on 2002-09-30. Completion date: 2002-11-29.
$121,048 with ENERGY, Department of for Ammunition Maintenance, Repair, and Checkout Specialized Equipment. Signed on 2003-07-15. Completion date: 2003-09-15.
$41,999 with Air Force for Miscellaneous Items. Signed on 2003-09-24. Completion date: 2003-11-15.
$29,812 with Air Force for Clothing, Special Purpose. Signed on 2002-08-22. Completion date: 2002-11-27.
EDMUND JENSCHKE (225 INTERSTATE; small business) 37 employees, $2900000 revenue.
$22,000 with Department of Veterans Affairs for Maintenance, Repair or Alteration of Real Property -- Other Administrative Facilities and Service Buildings. Signed on 2002-03-15. Completion date: 2002-03-15.
KERRVILLE BUS COMPANY INC (222 SIDNEY BAKER SOUTH; small business)
$6,560 with Army for Passenger Motor Charter Service. Taking place in LA. Signed on 2004-04-30. Completion date: 2004-05-01.
Top industries in this zip code by the number of employees in 2005:
Health Care and Social Assistance: General Medical and Surgical Hospitals (500-999 employees: 3 establishments)
Health Care and Social Assistance: Nursing Care Facilities (100-249: 2, 50-99: 1, 1-4: 1)
Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (20-49: 2, 10-19: 7, 5-9: 22, 1-4: 33)
Other Services (except Public Administration): Religious Organizations (20-49: 7, 10-19: 5, 5-9: 7, 1-4: 14)
Educational Services: Colleges, Universities, and Professional Schools (250-499: 1)
People in group quarters in 2010:
600 people in college/university student housing
538 people in nursing facilities/skilled-nursing facilities
202 people in mental (psychiatric) hospitals and psychiatric units in other hospitals
156 people in local jails and other municipal confinement facilities
75 people in workers' group living quarters and job corps centers
28 people in emergency and transitional shelters (with sleeping facilities) for people experiencing homelessness
24 people in group homes intended for adults
14 people in correctional residential facilities
10 people in correctional facilities intended for juveniles
9 people in hospitals with patients who have no usual home elsewhere
2 people in other noninstitutional facilities
People in group quarters in 2000:
594 people in nursing homes
346 people in college dormitories (includes college quarters off campus)
159 people in mental (psychiatric) hospitals or wards
143 people in local jails and other confinement facilities (including police lockups)
81 people in unknown juvenile institutions
77 people in institutions for the deaf
50 people in orthopedic wards and institutions for the physically handicapped
29 people in other noninstitutional group quarters
16 people in homes or halfway houses for drug/alcohol abuse
14 people in other nonhousehold living situations
11 people in homes for abused, dependent, and neglected children
7 people in homes for the mentally ill
2 people in religious group quarters
Fatal accident statistics in 2014:
Fatal accident count: 5
Vehicles involved in fatal accidents: 7
Fatal accidents caused by drunken drivers: 1
Fatalities: 7
Persons involved in fatal accidents: 12
Pedestrians involved in fatal accidents: 0
Fatal accident statistics in 2013:
Fatal accident count: 9
Vehicles involved in fatal accidents: 16
Fatal accidents caused by drunken drivers: 1
Fatalities: 9
Persons involved in fatal accidents: 19
Pedestrians involved in fatal accidents: 3
2002 - 2018 National Fire Incident Reporting System (NFIRS) incidents
Based on the data from the years 2002 - 2018 the average number of fire incidents per year is 125. The highest number of reported fires - 212 took place in 2008, and the least - 76 in 2016. The data has a declining trend.
When looking into fire subcategories, the most incidents belonged to: Outside Fires (57.5%), and Structure Fires (24.7%).
Fire incident types reported to NFIRS in Zip Code 78028
(47.9%)
(52.1%)
Nearest zip codes: 78025, 78010, 78029, 78013, 78055, 78631.
Based on the data from the years 2002 - 2018 the average number of fire incidents per year is 125. The highest number of reported fires - 212 took place in 2008, and the least - 76 in 2016. The data has a declining trend.
When looking into fire subcategories, the most incidents belonged to: Outside Fires (57.5%), and Structure Fires (24.7%).