ZIP Code 78013 — Comfort CDP, TX Demographics & Data

ZIP code 78013 covers Comfort, TX in Kendall County with a population of about 5,305.

At a glance, the area shows median age of 48.4 versus a U.S. median of about 38.9.

It sits in telephone area code 830; U.S. House district TX-21; the SAN ANTONIO media market.

Median household income in ZIP 78013 is about $79,770 — about 6% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.2%; unemployment rate near 5.3%; 34.0% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Professional services; about 13.2% of workers reporting work-from-home (about 2.0 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $396,700 — about 14% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $919 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 84.0% (about 18.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78013 in Comfort, TX, a household would need roughly $109,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,548. That is about 37% above the local median household income ($79,770), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Comfort CDP, TX as Relatively Low (composite score 65.5), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (85.5) and flood (75.1). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Comfort CDP, TX show little to no average snow and around 30.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 250 for ZIP 78013 (Comfort CDP, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.