ZIP Code Tabulation Area
ZIP area 78028, Texas: rent, home value and fair market rent
ZCTA 78028 is the U.S. Census Bureau's statistical area for ZIP code 78028, mainly in Kerr County (by area), Texas. It has about 17,910 occupied homes, 32.9% of them renter-occupied (Census ACS 2020-2024).
Census American Community Survey
Key figures for ZIP area 78028
Census ACS five-year estimates for ZCTA 78028, 2020–2024.
- Median gross rent
- $1,140 per monthRenter homes paying cash rent; rent plus utilities · Census table B25064
- Median home value
- $323,000Owner-occupied homes; the owner's estimate · Census table B25077
- Median household income
- $67,000 per yearAll households; 2024 dollars · Census table B19013
- Renter-occupied homes
- 32.9% of occupied homesCensus table B25003
- Occupied homes
- About 17,910Rounded to tens · Census table B25003
- Rental vacancy rate
- 6.2%Vacant for rent, share of the rental inventory · Census table B25004
HUD Small Area Fair Market Rents
HUD fair market rents for ZIP 78028, fiscal year 2027
Fiscal year starting October 1, 2026. HUD's ZIP-level estimates at the 40th percentile of recent movers' gross rents, used to set Housing Choice Voucher payment standards in HUD-designated areas or where a housing agency opts in: a program benchmark, not the typical rent.
| Home size | Fair market rent per month |
|---|---|
| Studio (no bedroom) | $880 |
| 1 bedroom | $1,030 |
| 2 bedrooms | $1,160 |
| 3 bedrooms | $1,520 |
| 4 bedrooms | $1,530 |
FHFA House Price Index (developmental)
House price trend in ZIP 78028: FHFA index for 2025
From repeat sales and refinancings of single-family homes; it can be revised. Data as of March 31, 2026.
- Annual change, 2025
- +1.2%FHFA HPI, five-digit ZIP codes (developmental)
- Change over five years, 2020–2025
- +48.5%
Derived, not official statistics
MyInversorAI indicators for ZIP 78028 (derived, not official statistics)
Calculated from the medians above, which describe different groups; no margin of error is computed for them.
- Estimated gross annual yield
- 4.2%MyInversorAI estimate: 12 × median rent ÷ median value.
- Price-to-income ratio
- 4.8MyInversorAI estimate: median value ÷ median income.
- Rent-to-income ratio
- 20.4%MyInversorAI estimate: 12 × median rent ÷ median income.At or below HUD's 30% cost-burden line.
They describe the area, not a home, and promise no return.
ZIP area and state
ZIP 78028 compared with Texas
Difference calculated by MyInversorAI.
| Median | ZIP 78028 | Texas | Difference |
|---|---|---|---|
| Gross rent (per month) | $1,140 | $1,403 | −19% |
| Home value | $323,000 | $283,800 | +14% |
| Household income (per year) | $67,000 | $78,476 | −15% |
Within the state
Where ZIP 78028 ranks in Texas
Among the ZIP areas of Texas with a published value; ranked by MyInversorAI.
- Median gross rent: tied with 12 others for 613th lowest of 1,367 ZIP areas, below 54% of the others.
- Median home value: tied with 1 other for 354th highest of 1,451 ZIP areas, above 75% of the others.
- Median household income: tied with 4 others for 651st lowest of 1,483 ZIP areas, below 55% of the others.
- Rental vacancy rate: tied with 9 others for 434th lowest of 997 ZIP areas, below 55% of the others.
Largest ZIP areas
The largest ZIP areas in Texas on this site
No other ZIP area with a page shares this main county, so the table lists the 8 ZIP areas of Texas with the most occupied homes among those with a page.
| ZIP area | Median gross rent | Rent vs ZIP 78028 | Median home value | Value vs ZIP 78028 | Gross yield (MyInversorAI estimate) |
|---|---|---|---|---|---|
| ZIP 78660 | $1,860 | +$720 | $412,000 | +$89,000 | 5.4% |
| ZIP 77494 | $2,170 | +$1,030 | $476,000 | +$153,000 | 5.5% |
| ZIP 78130 | $1,660 | +$520 | $323,000 | Same | 6.2% |
| ZIP 77573 | $1,690 | +$550 | $368,000 | +$45,000 | 5.5% |
| ZIP 78641 | $1,940 | +$800 | $480,000 | +$157,000 | 4.9% |
| ZIP 79936 | $1,260 | +$120 | $179,000 | −$144,000 | 8.4% |
| ZIP 77433 | $1,960 | +$820 | $409,000 | +$86,000 | 5.8% |
| ZIP 78666 | $1,320 | +$180 | $307,000 | −$16,000 | 5.2% |
Quotable facts
Key facts about ZIP 78028
- In ZIP Code Tabulation Area 78028, the median gross rent was $1,140 a month and the median home value $323,000 in the Census ACS 2020-2024.
- Its median household income was $67,000 a year, and most of its roughly 17,910 occupied homes were owner-occupied, with renters in 32.9%.
- Its median gross rent is 19% lower than the Texas median ($1,403).
- Its median home value is 14% higher than the Texas median ($283,800).
- HUD's two-bedroom fair market rent in ZIP 78028 (fiscal year 2027) is $1,160 a month, within 5% of the ACS median gross rent ($1,140).
- FHFA's developmental index for ZIP 78028 rose 1.2% in 2025 and 48.5% over five years.
- Its ACS rental vacancy rate was 6.2%, lower than in 55% of the other 996 Texas ZIP areas with a published rate.
- Its median household income is tied with 4 others for the 651st lowest of the 1,483 Texas ZIP areas with a published figure.
Sources and method
Where the figures come from
- Source: U.S. Census Bureau, American Community Survey 5-year estimates. This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.
- Source: U.S. Department of Housing and Urban Development, Small Area Fair Market Rents. This product uses the HUD User Data API but is not endorsed or certified by HUD User.
- Source: Federal Housing Finance Agency, House Price Index (five-digit ZIP codes, developmental).
- Source: U.S. Census Bureau, 2020 ZCTA to County Relationship File.
Rounded: ZIP-level ACS rents to $10, values to $1,000 and incomes to $100; state medians as published. No private listing data, forecasts or scores.
Caveats
Before you use these figures
A ZIP Code Tabulation Area does not always cover the same homes as the USPS ZIP code. Census medians with a coefficient of variation above 30%, or top- or bottom-coded, are not shown. Fair market rents are a HUD benchmark, not the typical rent. The main county holds the largest part of the area, not necessarily most residents.
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Educational information
Not financial, tax or legal advice
These pages summarize published statistics for education. They are not a forecast, an appraisal, or financial, tax, lending or legal advice, and they do not promise any return. Estimates have margins of error and can be revised by their publishers. Verify the figures that matter to your decision.