ZIP Code 78046 — Laredo city, TX Demographics & Data

ZIP code 78046 covers Laredo, TX in Webb County with a population of about 71,965.

At a glance, the area shows median age of 26.0 versus a U.S. median of about 38.9.

It sits in telephone area codes 361, 956; U.S. House district TX-28; the LAREDO media market.

Median household income in ZIP 78046 is about $53,601 — about 29% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 26.3%; unemployment rate near 6.1%; 12.8% of adults with a bachelor’s degree or higher (about 20.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Transportation, Retail trade, and Education; about 3.7% of workers reporting work-from-home (about 11.5 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 $142,000 — about 59% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $774 (about 33% below the U.S. median rent ($1,163)), and owner-occupancy near 79.3% (about 13.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78046 in Laredo, TX, a household would need roughly $39,000 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 $912. That sits below the local median household income ($53,601), 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 Laredo city, TX as Relatively Moderate (composite score 89.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.0) and hurricane (85.7). 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 Laredo city, TX show little to no average snow and around 21.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,395 for ZIP 78046 (Laredo 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.