78108 Zip Code Detailed Profile




Cities: Cibolo, TX (21.23%), Schertz, TX (12.12%), Santa Clara, TX (0.35%), Randolph AFB, TX (0.22%), Universal City, TX (0.03%)
Counties: Guadalupe County, TX (88.26%), Bexar County, TX (9.98%), Comal County, TX (1.76%)
Estimated zip code population in 2013: 30,204
Zip code population in 2010: 27,770
Zip code population in 2000: 8,921

Houses and condos: 10,176
Renter-occupied apartments: 1,392
% of renters here:

14%
State:

38%
Mar. 2013 cost of living index in zip code 78108: 90.0 (less than average, U.S. average is 100)

Land area: 30.9 sq. mi.
Water area: 0.1 sq. mi.
Population density: 979 people per square mile 
 
 (low).

Age and Sex of Residents in zip code 78108
Zip code 78108 (Cibolo, Texas) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

2.0% ($3,643)
Texas:

1.9% ($2,510)
Median real estate property taxes paid for housing units with mortgages in 2013: $3,788 (2.0%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $2,139 (1.4%)

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Males: 15,086  (49.9%)
Females: 15,118  (50.1%)

For population 25 years and over in 78108:

For population 15 years and over in 78108:

Zip code 78108 compared to state average:

  • Median household income above state average.
  • Foreign-born population percentage significantly below state average.
  • Renting percentage significantly below state average.
  • Length of stay since moving in below state average.
  • Number of rooms per house above state average.
  • House age significantly below state average.
  • Races in zip code 78108

  • Zip code 78108 races chart
    • 15,733White population
    • 3,030Black population
    • 107American Indian population
    • 684Asian population
    • 69Native Hawaiian and Other Pacific Islander population
    • 50Some other race population
    • 795Two or more races population
    • 7,302Hispanic or Latino population

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Data:
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Based on 2000-2011 data
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Urban population: 15,147
Rural population: 15,056

Estimated median house/condo value in 2013: $181,300
78108:

$181,300
Texas:

$132,000



According to our research of Texas and other state lists there were 6 registered sex offenders living in 78108 zip code as of July 31, 2015.
The ratio of number of residents in zip code 78108 to the number of sex offenders is 3,848 to 1.
The number of registered sex offenders compared to the number of residents in this zip code is a lot smaller than the state average.


Median resident age:
This zip code:

33.2 years
Texas median age:

34.0 years
Average household size:
This zip code:

3.1 people
Texas:

2.8 people

Averages for the 2012 tax year for zip code 78108, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $62,386 (Individual Income Tax Returns)
Here:

$62,386
State:

$65,384

Salary/wage: $56,545 (reported on 89.7% of returns)
Here:

$56,545
State:

$52,524
(% of AGI for various income ranges: 80.8% for AGIs below $25k, 84.1% for AGIs $25k-50k, 82.8% for AGIs $50k-75k, 81.5% for AGIs $75k-100k, 82.6% for AGIs $100k-200k, 64.4% for AGIs over 200k)

Taxable interest for individuals: $638 (reported on 33.5% of returns)
This zip code:

$638
Texas:

$2,372
(% of AGI for various income ranges: 0.7% for AGIs below $25k, 0.3% for AGIs $25k-50k, 0.5% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 0.3% for AGIs $100k-200k, 0.4% for AGIs over 200k)

Ordinary dividends: $2,134 (reported on 15.1% of returns)
Here:

$2,134
State:

$9,721
(% of AGI for various income ranges: 1.3% for AGIs below $25k, 0.4% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 0.3% for AGIs $100k-200k, 2.2% for AGIs over 200k)

Net capital gain/loss in AGI: +$2,781 (reported on 11.1% of returns)
Here:

+$2,781
State:

+$35,319
(% of AGI for various income ranges: 0.1% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.3% for AGIs $75k-100k, 0.4% for AGIs $100k-200k, 4.0% for AGIs over 200k)

Profit/loss from business: +$8,662 (reported on 13.4% of returns)
Here:

+$8,662
State:

+$13,732
(% of AGI for various income ranges: 4.1% for AGIs below $25k, 2.3% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 1.4% for AGIs $100k-200k, 4.2% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $12,253 (reported on 6.7% of returns)
78108:

$12,253
Texas:

$19,511
(% of AGI for various income ranges: 2.1% for AGIs below $25k, 1.0% for AGIs $25k-50k, 1.4% for AGIs $50k-75k, 1.2% for AGIs $75k-100k, 1.4% for AGIs $100k-200k, 1.3% for AGIs over 200k)

Self-employment retirement plans: $8,700 (reported on 0.2% of returns)
78108:

$8,700
Texas:

$23,938

Total itemized deductions: $18,695 (20% of AGI, reported on 40.7% of returns)
Here:

$18,695
State:

$24,724

Here:

20.3% of AGI
State:

15.9% of AGI
(% of AGI for various income ranges: 8.5% for AGIs below $25k, 12.3% for AGIs $25k-50k, 13.3% for AGIs $50k-75k, 12.9% for AGIs $75k-100k, 12.4% for AGIs $100k-200k, 7.9% for AGIs over 200k)

Charity contributions: $3,702 (reported on 31.5% of returns)
Here:

$3,702
State:

$6,808
(% of AGI for various income ranges: 0.8% for AGIs below $25k, 1.2% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 1.9% for AGIs $75k-100k, 2.3% for AGIs $100k-200k, 1.9% for AGIs over 200k)

Taxes paid: $5,566 (reported on 40.0% of returns)
78108:

$5,566
State:

$6,921
(% of AGI for various income ranges: 2.0% for AGIs below $25k, 3.3% for AGIs $25k-50k, 3.9% for AGIs $50k-75k, 3.8% for AGIs $75k-100k, 3.8% for AGIs $100k-200k, 2.4% for AGIs over 200k)

Earned income credit: $2,197 (reported on 12.6% of returns)
Here:

$2,197
State:

$2,570
(% of AGI for various income ranges: 5.6% for AGIs below $25k, 1.3% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 78108, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $49,334 (Individual Income Tax Returns)
Here:

$49,334
State:

$47,881

Salary/wage: $45,345 (reported on 88.2% of returns)
Here:

$45,345
State:

$41,947
(% of AGI for various income ranges: 103.9% for AGIs below $10k, 77.0% for AGIs $10k-25k, 84.6% for AGIs $25k-50k, 82.3% for AGIs $50k-75k, 83.9% for AGIs $75k-100k, 74.7% for AGIs over 100k)

Taxable interest for individuals: $1,008 (reported on 49.0% of returns)
This zip code:

$1,008
Texas:

$2,255
(% of AGI for various income ranges: 4.3% for AGIs below $10k, 1.6% for AGIs $10k-25k, 1.0% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 0.6% for AGIs $75k-100k, 1.0% for AGIs over 100k)

Taxable dividends: $1,673 (reported on 21.3% of returns)
Here:

$1,673
State:

$4,261
(% of AGI for various income ranges: 1.6% for AGIs below $10k, 1.2% for AGIs $10k-25k, 0.5% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.4% for AGIs $75k-100k, 1.4% for AGIs over 100k)

Net capital gain/loss: +$5,558 (reported on 17.0% of returns)
Here:

+$5,558
State:

+$16,110
(% of AGI for various income ranges: -0.4% for AGIs below $10k, -0.2% for AGIs $10k-25k, -0.1% for AGIs $25k-50k, 0.4% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 6.4% for AGIs over 100k)

Profit/loss from business: +$7,511 (reported on 13.9% of returns)
Here:

+$7,511
State:

+$11,013
(% of AGI for various income ranges: -5.1% for AGIs below $10k, 4.5% for AGIs $10k-25k, 1.8% for AGIs $25k-50k, 2.0% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 2.8% for AGIs over 100k)

IRA payment deduction: $2,746 (reported on 2.8% of returns)
78108:

$2,746
Texas:

$3,120
(% of AGI for various income ranges: 0.2% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.1% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $5,379 (reported on 0.5% of returns)
Here:

$5,379
Texas:

$16,401

Total itemized deductions: $16,367 (22% of AGI, reported on 37.8% of returns)
Here:

$16,367
State:

$19,631

Here:

22.2% of AGI
State:

18.9% of AGI
(% of AGI for various income ranges: 9.8% for AGIs below $10k, 8.5% for AGIs $10k-25k, 12.6% for AGIs $25k-50k, 13.2% for AGIs $50k-75k, 14.0% for AGIs $75k-100k, 11.5% for AGIs over 100k)

Charity contributions deductions: $2,980 (4% of AGI, reported on 31.6% of returns)
Here:

$2,980
State:

$4,753

Here:

3.9% of AGI
State:

4.2% of AGI
(% of AGI for various income ranges: 0.4% for AGIs below $10k, 1.3% for AGIs $10k-25k, 1.6% for AGIs $25k-50k, 2.0% for AGIs $50k-75k, 2.1% for AGIs $75k-100k, 2.1% for AGIs over 100k)

Total tax: $6,094 (reported on 78.9% of returns)
78108:

$6,094
State:

$9,058
(% of AGI for various income ranges: 2.8% for AGIs below $10k, 4.1% for AGIs $10k-25k, 6.2% for AGIs $25k-50k, 8.0% for AGIs $50k-75k, 10.0% for AGIs $75k-100k, 15.5% for AGIs over 100k)

Earned income credit: $1,727 (reported on 11.0% of returns)
Here:

$1,727
State:

$2,024

Percentage of individuals using paid preparers for their 2004 taxes: 41.2%
Here:

41%
State:

57%
(% for various income ranges: 33.4% for AGIs below $10k, 42.2% for AGIs $10k-25k, 42.4% for AGIs $25k-50k, 42.6% for AGIs $50k-75k, 41.8% for AGIs $75k-100k, 46.5% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$83,743
Texas:

$51,704
Cibolo, TX (78108) map Nearest zip codes: 78154, 78150, 78124, 78148, 78109, 78152.
Percentage of family households:
This zip code:

71.8%
Texas:

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

2.2%
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: 409
Household did not receive Food Stamps/SNAP in the past 12 months: 9,192


Women who had a birth in the past 12 months: 669 (558 now married, 111 unmarried)
Women who did not have a birth in the past 12 months: 7,516 (4,370 now married, 3,146 unmarried)


Housing units in zip code 78108 with a mortgage: 6,984 (223 second mortgage, 358 home equity loan, 27 both second mortgage and home equity loan)
Houses without a mortgage: 1,225

Median monthly owner costs for units with a mortgage: $1,602
Median monthly owner costs for units without a mortgage: S398

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

3.7%
Whole state:

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

1.7%
Whole state:

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

7.0
State:

6.2
Median number of rooms in apartments:
Here:

6.1
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 78108: Schertz Sportmans Club (A), Cibolo Creek Municipal Authority Water Treatment Facility (B), Green Valley Farm (C), Cibolo Volunteer Fire Department (D). Display/hide their locations on the map

    Church in zip code 78108: Saint Paul Church (A). Display/hide its location on the map

Year house built

  • 6062010 or later
  • 6,2912000 to 2009
  • 1,2421990 to 1999
  • 9371980 to 1989
  • 6951970 to 1979
  • 721960 to 1969
  • 1151950 to 1959
  • 861940 to 1949
  • 1321939 or earlier

Zip code 78108 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Cibolo, TX (78108)

  • 0no bedroom
  • 321 bedroom
  • 3962 bedrooms
  • 3,3163 bedrooms
  • 3,6994 bedrooms
  • 7665+ bedrooms

Bedrooms in renter-occupied apartments in Cibolo, TX (78108)

  • 17no bedroom
  • 1841 bedroom
  • 972 bedrooms
  • 6473 bedrooms
  • 2854 bedrooms
  • 1625+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Cibolo, TX (78108) in owner-occupied houses/condos

  • 101no vehicle
  • 1,7011 vehicle
  • 3,9132 vehicles
  • 2,0013 vehicles
  • 4414 vehicles
  • 525+ vehicles

Cars and other vehicles available in Cibolo, TX (78108) in renter-occupied apartments

  • 110no vehicle
  • 4991 vehicle
  • 5972 vehicles
  • 893 vehicles
  • 974 vehicles
  • 05+ vehicles

Median gross rent in 2013: $1,342.


Median price asked for vacant for-sale houses and condos in 2013: $197,978.

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


Estimated median house or condo value in 2013: $181,300
78108:

$181,300
Texas:

$132,000
Lower value quartile - upper value quartile: $151,600 - $225,800

Owners and renters by unit type in %

Breakdown of mean house values by ages of householders

Housing units in structures:


Unemployment: 6.6%

Percentage of zip code residents living and working in this county: 21.4%

Household type by relationship:

Households: 30,204

Size of family households: 2,607 2-persons, 1,617 3-persons, 2,240 4-persons, 1,115 5-persons, 256 6-persons, 157 7-or-more-persons

Size of nonfamily households: 1,484 1-person, 125 2-persons

7,545 married couples with children.
1,617 single-parent households (238 men, 1,379 women).

81.1% of residents of 78108 zip code speak English at home.
16.2% of residents speak Spanish at home (84% very well, 10% well, 4% not well, 2% not at all).
0.5% of residents speak other Indo-European language at home (74% very well, 26% well).
2.0% of residents speak Asian or Pacific Island language at home (62% very well, 27% well, 7% not well, 4% not at all).
0.2% of residents speak other language at home (72% very well, 28% well).

Foreign born population: 2,057 (6.8%)
(60.0% of them are naturalized citizens)
This zip code:

6.8%
Whole state:

16.5%

Most common places of birth for the foreign-born residents

  • 29%Mexico
  • 11%Philippines
  • 6%Other Eastern Africa
  • 5%Panama
  • 5%Vietnam
  • 4%Colombia
  • 3%Germany

Most common first ancestries reported in 78108 (%)

  • 47%Other groups
  • 13%German
  • 6%Irish
  • 5%American
  • 5%English
  • 2%French (except Basque)
  • 2%Italian

Year of entry for the foreign-born population

  • 812010 or later
  • 6322000 to 2009
  • 9211990 to 1999
  • 1,701Before 1990

Zip code 78108 topographic map

Facilities with environmental interests located in this zip code:


Zip code 78108 marital status for males
Zip code 78108 marital status for females

Housing units lacking complete plumbing facilities: 0.8%
Housing units lacking complete kitchen facilities: 1.3%

Most commonly used house heating fuel

  • 96%Electricity
  • 3%Utility gas
  • 1%Bottled, tank, or LP gas

Population in 1990: 6,062. Population change in the 1990s: +2,859 (+47.2%).

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


50% of the 78108 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 23% lived in this county.
   Out of people who lived in different counties, 50% lived in Texas.

87% of the 78108 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 28% moved from this county.
   Out of people who lived in different houses, 44% moved from different county within same state.
   Out of people who lived in different houses, 27% 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): 371
Here:

8.2%
Texas:

6.4%
Students in private schools in grades 9 to 12 (high school): 100
Here:

4.2%
Texas:

6.4%
Students in private undergraduate colleges: 417
Here:

16.8%
Texas:

14.8%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

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

  • 83,089Health diagnosing and treating practitioners and other technical occupations
  • 81,268Computer and mathematical occupations
  • 62,000Law enforcement workers including supervisors
  • 61,563Management occupations
  • 58,317Business and financial operations occupations
  • 56,500Architecture and engineering occupations

Companies with biggest federal contracts located in this zip code (CIBOLO, 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)

Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 6 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
G) Loans On Manufactured
Home Dwelling (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED1,001$187,852272$148,226976$163,92789$31,69863$122,0469$80,998
APPLICATIONS APPROVED, NOT ACCEPTED32$160,09225$139,494130$143,87521$28,2269$137,8283$109,520
APPLICATIONS DENIED169$180,09438$125,987289$163,65266$28,14018$136,56610$48,909
APPLICATIONS WITHDRAWN140$182,44244$167,238274$154,94818$78,39124$149,5215$52,884
FILES CLOSED FOR INCOMPLETENESS13$177,9153$145,00345$174,3580$01$180,5400$0

Detailed HMDA statistics for the following Tracts: 1316.01 , 2106.04, 2107.01

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 6 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
C) Non-occupant Loans on
< 5 Family Dwellings (A & B)
NumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED40$176,86430$185,9562$164,225
APPLICATIONS APPROVED, NOT ACCEPTED9$149,6547$230,0401$243,090
APPLICATIONS DENIED4$188,6736$209,6300$0
APPLICATIONS WITHDRAWN1$173,4402$216,2850$0
FILES CLOSED FOR INCOMPLETENESS1$99,0000$01$99,000

Detailed PMIC statistics for the following Tracts: 1316.01 , 2106.04, 2107.01

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 78108 among deceased individuals
NameCountLived (average)
William2764.9 years
Robert2672.0 years
Mary2377.7 years
James2268.2 years
John2171.6 years
George1577.1 years
Richard1476.0 years
Charles1371.1 years
Walter1174.1 years
Edward1079.1 years
Most common last names in zip code 78108 among deceased individuals
Last nameCountLived (average)
Johnson1471.5 years
Brown869.5 years
Carter868.0 years
Schraub780.3 years
Baker778.0 years
Smith776.7 years
Davis578.4 years
Krueger570.3 years
Schmidt577.8 years
Williams559.6 years
Businesses in zip code 78108
NameCountNameCount
FedEx1SONIC Drive-In1
Jimmy John's1U-Haul1

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