ZIP Code 78109 — Converse city, TX Demographics & Data

ZIP code 78109 covers Converse, TX in Bexar County with a population of about 56,372.

At a glance, the area shows median age of 32.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 210, 726; U.S. House district TX-28; the SAN ANTONIO media market.

Median household income in ZIP 78109 is about $87,635 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.0%; unemployment rate near 4.3%; 31.0% of adults with a bachelor’s degree or higher (about 2.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 12.2% of workers reporting work-from-home (about 3.0 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 $241,100 — about 31% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,403 (about 21% above the U.S. median rent ($1,163)), and owner-occupancy near 74.9% (about 9.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78109 in Converse, TX, a household would need roughly $66,000 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 $1,549. That sits below the local median household income ($87,635), 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 Converse city, TX as Relatively High (composite score 99.4), which is among the highest nationally. The strongest component scores on US5 are flood (99.7) and wildfire (92.4). 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 Converse city, TX show little to no average snow.

IRS migration statistics show a net inflow of about 2,659 for ZIP 78109 (Converse 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.