ZIP code 78063

ZIP 78063 is a mid-size town in Bandera County, Texas, with 10,594 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #792 of 1,989 ranked by population — larger than 60% of them. The median age here is 51.3 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 78063 earn a median of $79,066 a year, essentially level with the national figure of $78,538. Household income here is measured before tax and pooled across everyone at the address, which is why it reads higher than typical individual earnings in the same area. Poverty reaches 13.9% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 78063 is valued at $265,400, 12.5% below the national figure, while median gross rent runs $964 a month, 31.4% below the national figure, or roughly $11,568 across a full year. A household on the local median income would put about 14.6% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 3.4×, against roughly 3.9× nationally, so buying is easier here than in the average US market. 92.1% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 51.3 puts ZIP 78063 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. Median income runs above the national figure while poverty also runs above it — a split distribution, not a uniformly comfortable place. Averages hide that; the two numbers together do not.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 78063 is tabulated inside Bandera County, Texas, one of 6 ZIP areas the Census publishes for that county and 1,989 across Texas. This is a mid-sized ZIP that covers a large share of its county's addresses. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 78063 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 78063 reports a median household income of $79,066, 11% above the $71,234 county median, and 16% above the $68,103 typical TX ZIP. Owner-occupied homes are valued at a median of $265,400, 13% below the county figure and 36% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $964 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Texas charges 6.25% statewide, and local governments overlapping 78063 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 78063 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.