ZIP Code 78640: Population, Income, Housing

State: TX
Total population: 77,531 Household income: $90,075 Rent: $1,730

Overview

Total population
77,531
Rent
$1,730
Year built
2010
Household income
$90,075
Per capita income
$36,864
Poverty rate
10.2%
Unemployment rate
N/A
Household size
2.8 persons
Rent over 30% of income
56.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Texas
County
Hays County
City
Kyle
Total population
77,531
Adults over 25
48,861
Total households
27,375
Household size
2.8 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$90,075
Per capita income
$36,864
Poverty rate
10.2%
Unemployment rate
N/A
Rent over 30% of income
56.2%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,730
Year built
2010
Households that rent
29%
Households that own
71%
Rooms per home (all homes)
5.7

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
46.1%
Black
5.2%
Asian
1.1%
Two or more races
35.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
56.7%
Not Hispanic or Latino
43.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
36,766 (88.3%)
Commute time to work
38 mins
Work from home
4,860 (11.7%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
31.8%
High school graduate or GED
27.6%
Some college or associate degree
11.3%
Bachelor’s degree or higher
29.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 78640 with: Hays County, TX Austin metro area, TX Texas United States

ZIP 78640

Total population77,531
Rent$1,730
Year built2010
Household income$90,075
Per capita income$36,864
Poverty rate10.2%
Unemployment rateN/A

Hays County, TX

Total population268,638
Rent$1,495
Year built2007
Household income$89,097
Per capita income$44,565
Poverty rate12.1%
Unemployment rate3%

Austin Metro Area, TX

Total population2,426,592
Rent$1,726
Year built2002
Household income$100,431
Per capita income$56,313
Poverty rate9.8%
Unemployment rate3.5%

Texas State

Total population30,188,424
Rent$1,403
Year built1992
Household income$78,476
Per capita income$40,752
Poverty rate13.8%
Unemployment rate4.1%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP78640 CountyHays, TXMetro AreaAustin metro area, TXStateTexasCountryUnited States
Total population77,531268,6382,426,59230,188,424334,922,499
Rent$1,730$1,495$1,726$1,403$1,413
Year built20102007200219921980
Household income$90,075$89,097$100,431$78,476$80,734
Per capita income$36,864$44,565$56,313$40,752$44,673
Poverty rate10.2%12.1%9.8%13.8%12.5%
Unemployment rateN/A3%3.5%4.1%4%

View the full multi-level comparison →

 

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Summary for 78640

Rent & Income

In 78640, the typical monthly rent is $1,730 and the typical household income is $90,075. Rent here is higher than Texas, and household income is higher than Texas. The estimated poverty rate is 10.2%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 29% of households. About 56.2% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 29.3% of adults holding a bachelor’s degree or higher.

 

ZIP 78640 — Rent vs Household Income

 

 

ZIP 78640 — Poverty

 

 

How ZIP 78640 compares in Texas (388 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,730 283 / 388 from lower rent $747 – $3,501
Household income $90,075 146 / 388 from higher income $30,377 – $250,001
Poverty rate 10.2% 165 / 388 from lower poverty 1.5% – 47.7%

Rankings are calculated among ZIP Codes in Texas with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 78640

Rent

When it comes to rent, ZIP Code 78640 ranks 283rd out of 388 ZIP Codes in Texas. Statewide, values range from $747 in ZIP 78582 up to $3,501 in ZIP 76092.

Household income

Income-wise, this area is placed 146th out of 388 ZIP Codes. Across Texas, figures vary from $30,377 in ZIP 77840 up to $250,001 in ZIP 76092.

Poverty rate

When it comes to poverty, ZIP Code 78640 places 165th out of 388 ZIP Codes. Throughout Texas, numbers span from 1.5% in ZIP 76092 up to 47.7% in ZIP 77840.

 

💰 Rent in ZIP Code 78640 (with Utilities)

Estimated Monthly Rent: $1,730 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 78640

Annual Household Income: $90,075

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 78640

Estimated Rate: 10.2%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 78640

In ZIP Code 78640, households that rent: 7,941 (29%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 7,941 29%
Owner-Occupied 19,434 71%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 78640

In ZIP Code 78640, cost-burdened renters (households spending over 30% of income on housing): 4,466 (56.2%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 4,466 56.2%
Other renter households 3,475 43.8%
Total renter households 7,941 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 78640

Less than High School: 15,538 people (31.8%)

Includes adults who did not complete high school.

High School Graduate or GED: 13,497 people (27.6%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 5,508 people (11.3%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 14,318 people (29.3%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 48,861

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.