Population & age
- Total population
- 20,088
- Median age
- 38.7
Lockhart, TX (78644)
Caldwell County · Austin-Round Rock-San Marcos, TX · Population 20,088
Fresh.Data current as of Apr 23, 2026
Lockhart, TX (ZIP 78644) sits in Caldwell County within the Austin-Round Rock-San Marcos metro area. The page draws on 2 federal data feeds retrieved Apr 24. Top health signal: Health Insurance comes in above the national average at 23.3%. NCES lists 10 schools serving the area, 10 non-charter. 7 colleges and universities serve the area, with median in-state tuition of $17,597. IRS data shows average household income (AGI) of $66,851, well above the ~$45K national average per return. First-Lockhart National Bank holds 62% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. FEMA has issued 24 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. 22.8% of residents under 65 lack health insurance per the 2025 County Health Rankings — a notable access gap. Texas has no state income tax, saving the local median household (AGI $66,851) approximately $3,075/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 1,543 residents (735 households) — the ZIP's primary county is growing. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $70,496, fair market rent of $1,760 for a two-bedroom, and a typical home value of $284,166, down 6.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 70.5%
- Black
- 4.3%
- Asian
- 1.3%
- Hispanic / Latino
- 53.5%
- Other / multi-racial
- 23.6%
Income & housing
- Median household income
- $70,496
- Median home value
- $214,500
Education
- Bachelor's degree or higher (age 25+)
- 18.4%
Employment
- Unemployment rate
- 0.9%
Housing
- Owner-occupied
- 4,570(69.6%)
- Renter-occupied
- 1,995(30.4%)
- Vacant units
- 697
- Built (median)
- 1987
Commute
- Public transit
- 0(0.0%)
- Work from home
- 854(10.0%)
- Avg commute
- 28.9 min
Economic wellbeing
- Below poverty line
- 2,409(13.2%)
- Uninsured
- 407(2.0%)
Digital access
- Broadband access
- 5,694(86.7%)
- No broadband
- 871(13.3%)
Language & nativity
- Foreign-born
- 1,365(6.8%)
- Non-English at home
- 5,788(30.4%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,400
/month
1 Bed
$1,490
/month
2 Bed
$1,760
/month
3 Bed
$2,240
/month
4 Bed
$2,600
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$284,166
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
-6.6%
vs. March 2025
5-year change
+17.2%
vs. March 2021
Metro area
Austin-Round Rock-Georgetown, TX
Metropolitan statistical area
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
529
Across 520 permitted buildings. Total construction value: $134.5M.
Single-family
515
97% of total units
Multifamily (2+ unit)
14
3% of total units
Single-family value
$132.7M
construction value
Multifamily value
$1.7M
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
9,540
Average AGI
$66,851
Avg property tax
$234
EITC participation
19.1%
Income distribution
- $1 – $25,00028.6% · 2,730
- $25,000 – $50,00029.1% · 2,780
- $50,000 – $75,00016.9% · 1,610
- $75,000 – $100,0009.6% · 920
- $100,000 – $200,00012.3% · 1,170
- $200,000 or more3.5% · 330
Avg mortgage interest
$267
Avg charitable contribution
$301
Avg capital gains
$4,835
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $637.8M across all reported brackets.
Business & employment
Business establishments
404
Total employment
4,192
Annual payroll
$175.4M
Average annual pay
$41,849
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$52,985
Average weekly wage
$1,019
Total employment
10,350
Total establishments
887
That is roughly 19% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.6%
That is 0.4 percentage points below the US national unemployment rate of about 4.0%.
Labor force
24,820
Employed
23,925
Unemployed
895
Based on Caldwell County, TX data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
4
Typical banking access
A standard suburban / mid-density branch count for this area.
Total deposits
$395.7M
across all branches in this ZIP
Distinct institutions
4
different banks operating here
Top banks by deposits in this ZIP
- 1.First-Lockhart National Bank$246.5M · 1 branch
- 2.Bank OZK$80.2M · 1 branch
- 3.Sage Capital Bank,$65.3M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Community health centers
Federally funded health-center sites
1
Single health-center site
One federally funded community health center serves this ZIP. Residents who need same-day care or specialty services may rely on neighboring ZIPs.
FQHC sites
1
federally qualified
Look-Alike sites
0
FQHC equivalents
Avg hours / week
40
across sites in this ZIP
Sites in this ZIP
- 1.Lockhart Family Practice Center
Federally Qualified Health Centers (FQHCs) and Look-Alike sites provide primary care on a sliding-fee scale, regardless of ability to pay. Active sites only; data refreshed 2026.
Source: HRSA Bureau of Primary Health Care (data.hrsa.gov). Per-ZIP counts of active service-delivery sites operated by Health Center Program grantees and Look-Alike organizations.
Public transit
FTA tracks transit service at the urbanized-area level. Numbers below reflect the agencies and modes serving the area that contains this ZIP, not stop-level coverage.
Service status
Available
San Marcos, TX
Reporting agencies
2
Largest: City of San Marcos
Annual ridership
—
unlinked trips · 2024
Source: U.S. Federal Transit Administration, National Transit Database (transit.dot.gov). Public domain.
Public libraries
Public-library outlets
1
Single library outlet
One public-library outlet serves this ZIP — typical of suburban and small-town areas. Card holders also have full access to the rest of the system's branches.
Buildings
1
1 central
Avg hours / week
58.7
across outlets in this ZIP
Avg square feet
7,500
per outlet
Outlets in this ZIP
- 1.Dr Eugene Clark Library
Public libraries provide free WiFi, computer access, children's programming, job-seeking resources, and meeting space — community infrastructure beyond books. FY2023 outlet inventory from the federal Public Libraries Survey.
Source: Institute of Museum and Library Services (imls.gov). Per-ZIP counts of active public-library outlets — central buildings, branches, and bookmobiles — operated by federally reporting library systems.
Federal Disaster Declarations
Federally Declared Disasters
24
Date Range
1972–2024
Most Recent Declaration
SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING
Flood — declared May 17, 2024 (DR-4781)
Incident period: April 26, 2024 – June 5, 2024
Top Incident Types
- Fire6 (25%)
- Flood5 (21%)
- Hurricane4 (17%)
- Severe Storm4 (17%)
- Severe Ice Storm2 (8%)
- Other3 (13%)
Individual Assistance
4
Direct help to disaster survivors
Households Program
7
Housing & temporary lodging support
Public Assistance
22
Repair of public facilities & roads
Hazard Mitigation
14
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
69.4°F
57.5° – 81.4°
Annual precipitation
35.4"
Diurnal range
23.9°F
Day-night swing
Heating · cooling days
1,547.3 · 3,191.8
Annual base 65°F
Nearest station: LULING, TX US, 13.7 miles from the centroid of Lockhart, TX (ZIP 78644)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
9,139
That is roughly 939 years per 100,000 above the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
25%
of adults self-report
Poor physical health days
4.7
avg per adult per month
Poor mental health days
5.7
avg per adult per month
Uninsured
22.8%
of residents under 65
Primary care MDs
26
per 100,000 residents
Preventable hospital stays
3,158
per 100K Medicare enrollees
Food environment (0-10)
7.1
10 = best access & security
Exercise access
40%
residents near a facility
Flu vaccinated
41%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 8.4% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Caldwell data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Moderate food access challenges
17.5% of Caldwell County, TX residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.14
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.87
accepting food benefits
Fast-food restaurants
0.52
per 1,000 residents
Among low-income residents, 6.9% are low-access — those without a supermarket within 1 mile (urban) or 10 miles (rural).
Per-1,000 figures show how many of each store type exist in Caldwell County, TX for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 39 reports
Property crime rate
—
per 100K residents · 151 reports
Homicide
1
Robbery
3
Burglary
35
Vehicle theft
49
County-level data for Caldwell (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+1,543 people
+735 households • +$49.1M net AGI flow
Moved in
2,318households
4,526 people • $130.8M AGI
Moved out
1,583households
2,983 people • $81.6M AGI
Where new residents came from
- Travis County, TX — 681 households
- Hays County, TX — 495 households
- Bastrop County, TX — 103 households
- Williamson County, TX — 90 households
- Guadalupe County, TX — 69 households
Where departing residents went
- Hays County, TX — 315 households
- Travis County, TX — 251 households
- Guadalupe County, TX — 102 households
- Bastrop County, TX — 84 households
- Bexar County, TX — 64 households
Incoming households reported an average AGI of $56,407 versus departing households' $51,561.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Texas
State-level rules that apply to every resident of ZIP 78644. Numbers reflect the most recent published year per source.
Tax rates
Income tax
None
No state income tax
Sales tax (combined)
8.20%
State 6.25% · avg local 1.95%
Property tax (effective)
1.42%
Median $1,254/year
Tax burden rank
4 of 50
8.40% of personal income
For ZIP 78644: A household at this ZIP's median AGI of $66,851 keeps approximately $3,075 more annually than residents of the typical income-tax state. Applied to this ZIP's typical home value of $284,166, that works out to roughly $4,045/year in property tax.
Paid family leave
Program
Voluntary (private insurance framework)
Voluntary (private insurance framework)
Safety net
SNAP eligibility
165% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). Asset limit $5,000.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 78644
Nearby ZIPs by distance
78616 (Mustang Ridge, 8.1 mi) · 78656 (San Marcos, 8.3 mi) · 78622 (8.9 mi) · 78655 (Martindale, 10.4 mi) · 78661 (11.6 mi) · 78640 (Kyle, 12.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
SourcesFresh.CDC PLACES · Apr 24, 2026Fresh.NCES CCD via Urban Institute EDP · Apr 23, 2026Fresh.HUD SAFMR · May 1, 2026
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
42.0%
9.0pp above the 33.0% national rate.
High Blood Pressure
35.2%
3.2pp above the 32.0% national rate.
Depression
22.2%
Tracks close to the 22.0% national rate.
Annual Checkup
74.2%
Tracks close to the 76.0% national rate.
Health Insurance
23.3%
10.3pp above the 13.0% national rate.
Diabetes
14.4%
3.4pp above the 11.0% national rate.
Schools in this ZIP
10 schools serve this ZIP, including 10 non-charter.
| School | Type | Grades | Enrollment |
|---|---|---|---|
| LOCKHART H S | Public | 9–12 | 1,752 |
| LOCKHART J H | Public | 6–8 | 1,484 |
| BLUEBONNET EL | Public | 0–5 | 538 |
| NAVARRO EL | Public | 0–5 | 519 |
| PLUM CREEK EL | Public | 0–5 | 513 |
Showing top 5 by enrollment. 5 more schools serve this ZIP.
Schools listed from NCES Common Core of Data via the Urban Institute Education Data Portal.
Fresh.NCES CCD via Urban Institute EDP · Apr 23, 2026Colleges & universities nearby
Colleges in this area
7
Median in-state tuition
$17,597
Median earnings (10 yr)
$56,878
- 4-Year
Texas State University
San Marcos, TX · 78666
- In-state tuition
- $11,450
- Out-of-state tuition
- $22,930
- Acceptance rate
- 89.3%
- Graduation rate
- 55.7%
- Median earnings (10 yr)
- $56,906
- Median student debt
- $21,000
- 4-Year
Southwestern University
Georgetown, TX · 78626
- In-state tuition
- $53,813
- Out-of-state tuition
- $53,813
- Acceptance rate
- 43.0%
- Graduation rate
- 71.2%
- Median earnings (10 yr)
- $56,878
- Median student debt
- $25,000
- 4-Year
Galen Health Institutes-Austin Campus
Round Rock, TX · 78681
- In-state tuition
- $17,048
- Out-of-state tuition
- $17,048
- Acceptance rate
- —
- Graduation rate
- —
- Median earnings (10 yr)
- $61,480
- Median student debt
- $24,166
- 4-Year
South University-Austin
Round Rock, TX · 78681
- In-state tuition
- $18,145
- Out-of-state tuition
- $18,145
- Acceptance rate
- —
- Graduation rate
- 8.9%
- Median earnings (10 yr)
- $34,421
- Median student debt
- $26,123
- Certificate
Central Texas Beauty College-Round Rock
Round Rock, TX · 78664
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 72.1%
- Median earnings (10 yr)
- $23,338
- Median student debt
- —
- Certificate
Total Transformation Institute of Cosmetology
San Marcos, TX · 78666
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 75.0%
- Median earnings (10 yr)
- —
- Median student debt
- $7,917
- Certificate
The Salon Professional Academy-Georgetown
Georgetown, TX · 78626
- In-state tuition
- —
- Out-of-state tuition
- —
- Acceptance rate
- —
- Graduation rate
- 62.1%
- Median earnings (10 yr)
- —
- Median student debt
- —
Source: U.S. Department of Education College Scorecard (collegescorecard.ed.gov). Public domain data. Earnings figures reflect median earnings 10 years after entry for federally-aided students.
What these numbers say together
Lockhart, TX (ZIP 78644) sits in Caldwell County within the Austin-Round Rock-San Marcos metro area. The page draws on 2 federal data feeds retrieved Apr 24. Top health signal: Health Insurance comes in above the national average at 23.3%. NCES lists 10 schools serving the area, 10 non-charter. 7 colleges and universities serve the area, with median in-state tuition of $17,597. IRS data shows average household income (AGI) of $66,851, well above the ~$45K national average per return. First-Lockhart National Bank holds 62% of FDIC-reported deposits in this ZIP (2024) — a notably concentrated local banking market. FEMA has issued 24 federal disaster declarations affecting this ZIP since 1972 — a high-frequency exposure profile. 22.8% of residents under 65 lack health insurance per the 2025 County Health Rankings — a notable access gap. Texas has no state income tax, saving the local median household (AGI $66,851) approximately $3,075/year vs the US average effective state tax rate. IRS migration data (2022-2023) shows a net gain of 1,543 residents (735 households) — the ZIP's primary county is growing. Schools are the headline here — lots of options at varying types — while healthcare access numbers suggest worth-shopping coverage and provider choice carefully. Notable: median household income $70,496, fair market rent of $1,760 for a two-bedroom, and a typical home value of $284,166, down 6.6% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
These two readings tell a consistent story. Strong access numbers usually correlate with denser provider networks, and a high school count signals the population base that supports them. Reading them together: a household weighing this ZIP for a multi-year stay can expect both healthcare and education infrastructure to keep pace.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 22.2%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 78644
What is the obesity rate in ZIP 78644?
42.0%, which is 9.0 percentage points above the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 78644?
22.2%, which is 0.2 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 78644?
35.2%, which is 3.2 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
How many schools are in ZIP 78644?
10 schools serve this ZIP, including 10 public schools (NCES CCD, retrieved Apr 23, 2026). No charter schools are listed in this ZIP by NCES CCD.
Does ZIP 78644 have charter schools?
No charter schools are listed in ZIP 78644 by NCES CCD (retrieved Apr 23, 2026).
Are there high schools in ZIP 78644?
Yes, 4 high schools serve this ZIP: Lockhart H S, Pegasus School, The Excel Center For Adults - Lockhart, and 1 more. (NCES CCD, retrieved Apr 23, 2026).
What is the population of ZIP 78644?
20,088 people live in ZIP 78644, with a median age of 38.7 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 78644?
$70,496 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 78644 mostly renters or homeowners?
In ZIP 78644, 69.6% of occupied housing units are owner-occupied and 30.4% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 78644?
In ZIP 78644, 10.0% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 78644?
13.2% of the population in ZIP 78644 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 78644 have broadband internet?
86.7% of households in ZIP 78644 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 78644?
The typical home value in ZIP 78644 is $284,166, down 6.6% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 78644?
Home values are down 6.6% over the past year and up 17.2% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 78644?
The average Adjusted Gross Income reported on tax returns from ZIP 78644 (Lockhart, TX) is $66,851 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 78644?
Tax returns from ZIP 78644 report an average of $234 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 78644 earn over $200,000?
3.5% of tax returns from ZIP 78644 (Lockhart, TX) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 78644?
As of 2022, 404 business establishments operated in ZIP 78644 employing 4,192 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 78644?
The average annual pay across all local establishments in ZIP 78644 is $41,849, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 78644 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 78644 ranks in the 74th percentile nationally for social vulnerability — a high vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 78644?
Household Characteristics is the highest-scoring CDC SVI theme for ZIP 78644, ranking in the 77th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 78644 experienced?
FEMA has recorded 24 federal disaster declarations affecting ZIP 78644 between 1972–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 78644?
Fire is the most common federally declared disaster type affecting ZIP 78644, accounting for 6 of 24 declarations (25%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 78644?
The most recent FEMA disaster declaration affecting ZIP 78644 was "SEVERE STORMS, STRAIGHT-LINE WINDS, TORNADOES, AND FLOODING" — a flood declared in 2024 (DR-4781) (FEMA OpenFEMA, retrieved May 3, 2026).
What colleges are near ZIP 78644?
7 colleges and universities are listed near ZIP 78644 by the U.S. Department of Education College Scorecard, including Texas State University, Southwestern University, and Galen Health Institutes-Austin Campus (retrieved May 2, 2026).
What is the average tuition at colleges near ZIP 78644?
Median in-state tuition across 7 nearby institutions is $17,597 (College Scorecard, retrieved May 2, 2026).
What do graduates earn from colleges near ZIP 78644?
Graduates of nearby colleges earn a median of $56,878 ten years after entry (College Scorecard, retrieved May 2, 2026).
What is the climate like in ZIP 78644?
ZIP 78644 has an average annual temperature of 69.4°F and 35.4" of annual precipitation based on the LULING, TX US weather station 13.7 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
Does ZIP 78644 have public transit?
Yes — ZIP 78644 is part of the San Marcos, TX urbanized area, primarily served by City of San Marcos (National Transit Database 2024, retrieved May 4, 2026).
What taxes apply in ZIP 78644?
Texas has no state income tax. For a household earning the local median AGI of $66,851, this saves approximately $3,075 per year compared to the national average effective state tax rate. The combined state and local sales tax rate is 8.20% (Tax Foundation 2025).
Does Texas have paid family leave?
Texas runs an active paid family leave program offering up to — weeks of paid leave per year (Bipartisan Policy Center 2026).
What data is available for ZIP 78644?
This page covers health outcomes from CDC PLACES (33 metrics), school information from NCES CCD (10 schools), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, colleges from the U.S. Department of Education College Scorecard (7 institutions), income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (24 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), public transit coverage from the National Transit Database (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. School data retrieved Apr 23, 2026 from NCES CCD. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. College data retrieved May 2, 2026 from U.S. Dept of Education College Scorecard. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (24 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). Transit coverage retrieved May 4, 2026 from the National Transit Database (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 78644
Nearby ZIPs by distance
78616 (Mustang Ridge, 8.1 mi) · 78656 (San Marcos, 8.3 mi) · 78622 (8.9 mi) · 78655 (Martindale, 10.4 mi) · 78661 (11.6 mi) · 78640 (Kyle, 12.2 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
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Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 23, 2026.
Social Vulnerability Index
Overall SVI
74th percentile
High Vulnerability
Based on 8 census tracts, population 23,508
Vulnerability Themes
Households Without Vehicle
264
Limited English Speakers
897
Persons with Disability
3,640
Without HS Diploma
2,693
Without Health Insurance
4,653
Adults Age 65+
3,570
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.