78028 Zip Code Detailed Profile




Cities: Kerrville, TX (8.21%), Ingram, TX (0.00%)
Counties: Kerr County, TX (89.72%), Gillespie County, TX (10.28%)
Estimated zip code population in 2013: 39,160
Zip code population in 2010: 37,620
Zip code population in 2000: 33,883

Houses and condos: 17,818
Renter-occupied apartments: 5,281
% of renters here:

33%
State:

38%
Mar. 2013 cost of living index in zip code 78028: 85.2 (less than average, U.S. average is 100)

Land area: 250.7 sq. mi.
Water area: 1.6 sq. mi.
Population density: 156 people per square mile 
 
 (very low).

Age and Sex of Residents in zip code 78028
Zip code 78028 (Kerrville, Texas) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

1.4% ($2,230)
Texas:

1.9% ($2,510)
Median real estate property taxes paid for housing units with mortgages in 2013: $2,716 (1.7%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $1,818 (1.3%)

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Males: 19,033  (48.6%)
Females: 20,127  (51.4%)

For population 25 years and over in 78028:

For population 15 years and over in 78028:

Zip code 78028 compared to state average:

  • Black race population percentage significantly below state average.
  • Median age significantly above state average.
  • Foreign-born population percentage significantly below state average.
  • Races in zip code 78028

  • Zip code 78028 races chart
    • 27,124White population
    • 688Black population
    • 138American Indian population
    • 308Asian population
    • 14Native Hawaiian and Other Pacific Islander population
    • 34Some other race population
    • 377Two or more races population
    • 8,937Hispanic or Latino population

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Urban population: 27,567
Rural population: 11,592

Estimated median house/condo value in 2013: $154,500
78028:

$154,500
Texas:

$132,000



According to our research of Texas and other state lists there were 86 registered sex offenders living in 78028 zip code as of September 04, 2015.
The ratio of number of residents in zip code 78028 to the number of sex offenders is 386 to 1.


Median resident age:
This zip code:

47.4 years
Texas median age:

34.0 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)

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)

Estimated median household income in 2013:
This zip code:

$43,343
Texas:

$51,704
Kerrville, TX (78028) map Nearest zip codes: 78025, 78010, 78029, 78013, 78055, 78631.
Percentage of family households:
This zip code:

40.3%
Texas:

55.0%
Percentage of households with unmarried partners:
This zip code:

4.1%
Texas:

5.5%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 1,938
Household did not receive Food Stamps/SNAP in the past 12 months: 14,229


Women who had a birth in the past 12 months: 386 (194 now married, 192 unmarried)
Women who did not have a birth in the past 12 months: 6,987 (3,241 now married, 3,746 unmarried)


Housing units in zip code 78028 with a mortgage: 5,104 (137 second mortgage, 507 home equity loan)
Houses without a mortgage: 5,782

Median monthly owner costs for units with a mortgage: $1,290
Median monthly owner costs for units without a mortgage: S445

Residents with income below the poverty level in 2013:
This zip code:

14.2%
Whole state:

17.5%
Residents with income below 50% of the poverty level in 2013:
This zip code:

9.0%
Whole state:

10.2%
Median number of rooms in houses and condos:
Here:

5.9
State:

6.2
Median number of rooms in apartments:
Here:

4.1
State:

4.2
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • 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

Year house built

  • 2842010 or later
  • 3,3342000 to 2009
  • 2,7671990 to 1999
  • 3,9071980 to 1989
  • 3,1431970 to 1979
  • 1,6751960 to 1969
  • 1,1251950 to 1959
  • 6701940 to 1949
  • 9131939 or earlier

Zip code 78028 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Kerrville, TX (78028)

  • 27no bedroom
  • 1231 bedroom
  • 2,9302 bedrooms
  • 6,3153 bedrooms
  • 1,2464 bedrooms
  • 2455+ bedrooms

Bedrooms in renter-occupied apartments in Kerrville, TX (78028)

  • 215no bedroom
  • 8841 bedroom
  • 2,4472 bedrooms
  • 1,6373 bedrooms
  • 744 bedrooms
  • 245+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Kerrville, TX (78028) in owner-occupied houses/condos

  • 178no vehicle
  • 4,1041 vehicle
  • 4,7342 vehicles
  • 1,3753 vehicles
  • 3504 vehicles
  • 1455+ vehicles

Cars and other vehicles available in Kerrville, TX (78028) in renter-occupied apartments

  • 413no vehicle
  • 2,9131 vehicle
  • 1,5962 vehicles
  • 3113 vehicles
  • 484 vehicles
  • 05+ vehicles

Median gross rent in 2013: $766.


Median price asked for vacant for-sale houses and condos in 2013: $156,527.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $154,500
78028:

$154,500
Texas:

$132,000
Lower value quartile - upper value quartile: $81,100 - $252,800

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 9.6%

Percentage of zip code residents living and working in this county: 86.9%

Household type by relationship:

Households: 37,562

Size of family households: 5,912 2-persons, 2,285 3-persons, 1,356 4-persons, 547 5-persons, 229 6-persons, 98 7-or-more-persons

Size of nonfamily households: 5,117 1-person, 499 2-persons, 102 3-persons, 12 4-persons, 10 6-persons

4,538 married couples with children.
2,045 single-parent households (236 men, 1,809 women).

82.0% of residents of 78028 zip code speak English at home.
16.7% of residents speak Spanish at home (69% very well, 16% well, 11% not well, 4% not at all).
0.6% of residents speak other Indo-European language at home (81% very well, 9% well, 10% not well).
0.6% of residents speak Asian or Pacific Island language at home (56% very well, 31% well, 12% not well).

Foreign born population: 2,328 (5.9%)
(50.6% of them are naturalized citizens)
This zip code:

5.9%
Whole state:

16.5%

Most common places of birth for the foreign-born residents

  • 63%Mexico
  • 6%England
  • 6%Germany
  • 4%Philippines
  • 3%India
  • 3%Canada
  • 3%Korea

Most common first ancestries reported in 78028 (%)

  • 35%Other groups
  • 17%German
  • 8%English
  • 7%Irish
  • 5%American
  • 2%Scotch-Irish
  • 2%French (except Basque)

Year of entry for the foreign-born population

  • 1392010 or later
  • 7632000 to 2009
  • 5401990 to 1999
  • 1,478Before 1990

Zip code 78028 topographic map

Public primary/middle school in zip code 78028 not listed on the city page:

  • NOTRE DAME SCH (Location: 907 MAIN ST, KERRVILLE, TX; Grades: PK - 08)
There are 450 Other Medical Specialists in Zip Code 78028.

Facilities with environmental interests located in this zip code:

Fire-safe hotels and motels in zip code 78028:

All 7 fire-safe hotels and motels in zip code 78028

Zip code 78028 marital status for males
Zip code 78028 marital status for females

Housing units lacking complete plumbing facilities: 2.3%
Housing units lacking complete kitchen facilities: 2.8%

Most commonly used house heating fuel

  • 73%Electricity
  • 20%Utility gas
  • 5%Bottled, tank, or LP gas
  • 1%Wood
  • 1%No fuel used

Population in 1990: 26,128. Population change in the 1990s: +7,755 (+29.7%).

Place of birth for U.S.-born residents:


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.

84% of the 78028 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 49% moved from this county.
   Out of people who lived in different houses, 41% moved from different county within same state.
   Out of people who lived in different houses, 8% moved from different state.
   Out of people who lived in different houses, 1% moved from abroad.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 382
Here:

10.4%
Texas:

6.4%
Students in private schools in grades 9 to 12 (high school): 60
Here:

4.2%
Texas:

6.4%
Students in private undergraduate colleges: 746
Here:

41.1%
Texas:

14.8%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 75,638Computer and mathematical occupations
  • 70,536Life, physical, and social science occupations
  • 60,332Health diagnosing and treating practitioners and other technical occupations
  • 49,024Business and financial operations occupations
  • 48,205Management occupations
  • 48,168Law enforcement workers including supervisors

Companies with federal contracts located in this zip code (KERRVILLE, TX):

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

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 2011:

  • Fatal accident count: 4
  • Vehicles involved in fatal accidents: 4
  • Fatal accidents caused by drunken drivers: 2
  • Fatalities: 4
  • Persons involved in fatal accidents: 12
  • Pedestrians involved in fatal accidents: 0

Fatal accident statistics in 2010:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 3
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 4
  • Persons involved in fatal accidents: 6
  • Pedestrians involved in fatal accidents: 0
Most common first names in zip code 78028 among deceased individuals
NameCountLived (average)
William31776.7 years
John30876.6 years
James28775.1 years
Mary27281.5 years
Robert23775.3 years
George18575.8 years
Charles18376.9 years
Dorothy11379.1 years
Margaret11280.5 years
Helen10481.4 years
Most common last names in zip code 78028 among deceased individuals
Last nameCountLived (average)
Smith13079.8 years
Jones8579.2 years
Brown8477.9 years
Johnson7978.1 years
Miller7277.9 years
Williams6979.1 years
Davis6979.6 years
Wilson6877.1 years
Taylor6475.7 years
Moore6077.2 years
Businesses in zip code 78028
NameCountNameCount
AT&T1Kincaid1
Advance Auto Parts1La Quinta1
Albertsons1La-Z-Boy1
AutoZone1Lane Furniture1
Bath & Body Works1Little Caesars Pizza1
Best Western1Long John Silver's1
CVS1Lowe's1
Chevrolet1MasterBrand Cabinets1
Church's Chicken1Maurices1
Comfort Inn1McDonald's4
Cracker Barrel1Motel 61
Cricket Wireless1Nike3
Curves1OfficeMax1
Dairy Queen2Payless1
Days Inn1Penske1
Dennys1Pier 1 Imports1
Discount Tire1Pizza Hut1
FedEx8Quiznos1
Ford1RadioShack1
GNC1SONIC Drive-In2
GameStop1Sears1
H&R Block1Sprint Nextel3
Hilton1Starbucks1
Holiday Inn1Super 81
Home Depot1T-Mobile1
IHOP1Taco Bell1
JCPenney1U-Haul2
Jack In The Box1UPS5
Jones New York1Walmart1
KFC1Wendy's1

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