ZIP Code · TX

ZIP 78028

Part of Kerrville, TX

Pop. 41,206·Kerr County·135th most expensive ZIP in Texas

Median rent (all units)

$1,877/mo

Year-over-Year

+3.1%

Month-over-Month

+0.4%

vs US Median

-$55

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 78028 · $1,877

More expensive than 54% of US ZIP codes · National median $1,932/mo

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Medians by bedroom

Rent by unit size

Studio

$880

1 BR

$980

2 BR

$1,130

3 BR

$1,490

4 BR+

$1,500

Research median

$1,130/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: October 17, 2026

From the history

What the numbers show

Compared with the peak

Rent in ZIP 78028 is at its highest level since Zillow's records here began in March 2023.

Past year vs. the rest of Texas

Rent in ZIP 78028 changed +3.1% over the year to September 2026. Across the 629 Texas ZIP codes Zillow tracks, the typical change was +1.2%.

Recent direction

Rent has risen 3 months in a row, and rose in 8 of the last 12 months.

What a typical income covers

30% of the median household income ($66,991) is $1,675 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($1,500).

From Zillow's monthly rent index (ZORI) for ZIP 78028. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$22,524/yr

At $1,877/mo median

Location

CityKerrville

StateTX

CountyKerr County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (3.1% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+3.1% YoY, +0.4% MoM), not inventory.

Demographics

Who lives here

ZIP 78028 (Kerrville, TX) is majority owner-occupied, has a large retiree population, 32.4% of residents hold a bachelor's degree or higher.

Population

41,206

Median income

$66,991

Median age

48.8

Renters

32.9%

Age distribution

17.1%

19.4%

19.8%

13.2%

30.4%

Under 1817.1%

18–3419.4%

35–5419.8%

55–6413.2%

65+30.4%

Gender

47.5%

52.5%

Male47.5%

Female52.5%

Race & ethnicity

76.1%

25%

White76.1%

Black1.8%

Hispanic25%

Asian1.3%

Education (25+)

30.8%

28.5%

32.4%

No HS diploma8.2%

HS diploma30.8%

Some college28.5%

Bachelor's+32.4%

Housing tenure

67.1%

32.9%

Owner67.1%

Renter32.9%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2023 vs 2026

How ZIP 78028 in Kerrville, TX has changed in 5 years

Rent

$1,736 → $1,877

up 8.1%

Income

$59,802 → $66,991

up 12.0%

Population

40,081 → 41,206

up 2.8%

Renter share

34.3% → 32.9%

-1.4 pts

Bachelor's+

29.8% → 32.4%

+2.6 pts

Median age

47.3 → 48.8

+1.5 yrs

Rent in ZIP 78028 in Kerrville, TX has climbed 8.1% since 2023, going from about $1,736 per month to roughly $1,877 today. Census figures show median household income at $66,991 today, compared with $59,802 five years earlier. Income growth outran rent by about 3.9 percentage points, easing the affordability math somewhat compared with 2021. Headcount in the area went from 40,081 to 41,206 between 2021 and 2024, a 2.8% change. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 29.8% to 32.4%. The combined trend lines point to a market that has changed measurably from where it stood in early 2023.

Community

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Local insights

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About renting in ZIP 78028

Last updated: October 17, 2026

ZIP code 78028 covers Kerrville, TX. The median rent here is $1,877/mo as of October 2026. A 1-bedroom rents for a median of $980/mo. A 2-bedroom rents for a median of $1,130/mo.

At 34% of local median household income ($66,991/yr), ZIP 78028 ranks as moderate compared to the national benchmark of 30%. Rents have increased 3.1% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 78028?

To keep rent at or below 30% of gross income, you would need to earn at least $75,000/year (about $36/hour full-time) to afford the median rent of $1,877/mo in ZIP 78028. The local median household income is $66,991/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 78028?

Rent in ZIP 78028 has risen 3.1% over the past year as of September 2026. That is the highest level since Zillow's records here began in March 2023.

How does ZIP 78028 compare to other ZIPs in Texas?

ZIP 78028 is one of the pricier among Texas ZIP codes for rent, ranking #135 of 693 at $1,877/mo. Over the year to September 2026, rent in ZIP 78028 changed +3.1%, against a typical +1.2% across the 629 Texas ZIP codes Zillow tracks.