ZIP Code 78015 — Fair Oaks Ranch city, TX Demographics & Data

ZIP code 78015 covers Fair Oaks Ranch, TX in Kendall County with a population of about 23,548.

At a glance, the area shows median age of 39.1 (near the U.S. median).

It sits in telephone area codes 210, 726, 830; U.S. House district TX-21; the SAN ANTONIO media market.

Fair Oaks Ranch, TX aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 78015 is about $155,488 — about 107% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.2%; unemployment rate near 4.0%; 63.4% of adults with a bachelor’s degree or higher (about 29.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Healthcare, and Professional services; about 28.9% of workers reporting work-from-home (about 13.7 points above 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 $482,800 — about 39% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,406 (about 21% above the U.S. median rent ($1,163)), and owner-occupancy near 94.1% (about 28.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78015 in Fair Oaks Ranch, TX, a household would need roughly $133,000 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 $3,101. That sits below the local median household income ($155,488), 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 Fair Oaks Ranch city, 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 Fair Oaks Ranch city, TX show little to no average snow and around 37.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,111 for ZIP 78015 (Fair Oaks Ranch 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.