ZIP Code 78163 — Bulverde city, TX Demographics & Data

ZIP code 78163 covers Bulverde, TX in Comal County with a population of about 17,455.

At a glance, the area shows median age of 44.5 versus a U.S. median of about 38.9.

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

Median household income in ZIP 78163 is about $133,681 — about 78% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 3.3%; 47.7% of adults with a bachelor’s degree or higher (about 14.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Healthcare; about 23.6% of workers reporting work-from-home (about 8.4 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 $431,100 — about 24% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,180 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 95.5% (about 30.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78163 in Bulverde, TX, a household would need roughly $119,000 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 $2,769. That sits below the local median household income ($133,681), 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 Bulverde city, TX as Relatively Moderate (composite score 92.7), which is among the highest nationally. The strongest component scores on US5 are flood (96.6) and wildfire (89.3). 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 Bulverde city, TX show little to no average snow and around 32.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 823 for ZIP 78163 (Bulverde 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.