ZIP Code 78130 — New Braunfels city, TX Demographics & Data

ZIP code 78130 covers New Braunfels, TX in Guadalupe County with a population of about 95,787.

At a glance, the area shows median age of 35.9 versus a U.S. median of about 38.9.

It sits in telephone area code 830; U.S. House district TX-15; the SAN ANTONIO media market.

Median household income in ZIP 78130 is about $84,426 — about 12% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.8%; unemployment rate near 4.0%; 35.2% of adults with a bachelor’s degree or higher (about 1.5 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 13.5% of workers reporting work-from-home (about 1.7 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 $296,300 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,375 (about 18% above the U.S. median rent ($1,163)), and owner-occupancy near 65.9% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78130 in New Braunfels, TX, a household would need roughly $82,000 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 $1,903. That is roughly in line with the local median household income ($84,426). 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 New Braunfels city, TX as Relatively Moderate (composite score 91.5), which is among the highest nationally. The strongest component scores on US5 are flood (95.6) and wildfire (75.0). 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 New Braunfels city, TX show little to no average snow and around 35.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 4,518 for ZIP 78130 (New Braunfels 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.