ZIP Code 78014 — Cotulla city, TX Demographics & Data

ZIP code 78014 covers Cotulla, TX in La Salle County with a population of about 5,542.

At a glance, the area shows median age of 39.0 (near the U.S. median).

It sits in telephone area code 830; U.S. House district TX-23; the SAN ANTONIO media market.

Median household income in ZIP 78014 is about $58,216 — about 23% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 24.0%; unemployment rate near 3.1%; 8.5% of adults with a bachelor’s degree or higher (about 25.2 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Public administration, Healthcare, and Agriculture; about 4.1% of workers reporting work-from-home (about 11.1 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 $77,100 — about 78% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 76.4% (about 11.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78014 in Cotulla, TX, a household would need roughly $21,000 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 $495. That sits below the local median household income ($58,216), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Cotulla city, TX as Very Low (composite score 22.6), which is relatively lower than many U.S. communities. The strongest component scores on US5 are wildfire (66.0) and hurricane (63.4). 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 Cotulla city, TX show little to no average snow and around 21.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 261 for ZIP 78014 (Cotulla city, 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.