ZIP Code 78154 — Schertz city, TX Demographics & Data

ZIP code 78154 covers Schertz, TX in Bexar County with a population of about 40,898.

At a glance, the area shows median age of 38.1 (near the U.S. median).

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

Schertz, TX reads as a military / base-oriented community on US5’s intent model (elevated veteran share (19.3%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 78154 is about $97,465 — about 30% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.7%; unemployment rate near 5.0%; 40.3% of adults with a bachelor’s degree or higher (about 6.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 17.0% of workers reporting work-from-home (about 1.8 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 $296,400 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,396 (about 20% above the U.S. median rent ($1,163)), and owner-occupancy near 70.0% (about 4.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78154 in Schertz, 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 $1,904. That sits below the local median household income ($97,465), 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 Schertz 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 Schertz city, TX show little to no average snow.

IRS migration statistics show a net inflow of about 1,929 for ZIP 78154 (Schertz 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.