ZIP Code 78632 — Harwood town, TX Demographics & Data

ZIP code 78632 covers Harwood, TX in Gonzales County with a population of about 1,391.

At a glance, the area shows median age of 42.5 versus a U.S. median of about 38.9.

It sits in telephone area code 830; U.S. House district TX-27; the SAN ANTONIO media market.

Median household income in ZIP 78632 is about $63,250 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.2%; unemployment rate near 0.0%; 14.2% of adults with a bachelor’s degree or higher (about 19.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Mining, Retail trade, and Transportation; about 4.0% of workers reporting work-from-home (about 11.2 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 $184,400 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.6% (about 29.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78632 in Harwood, TX, a household would need roughly $51,000 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 $1,185. That sits below the local median household income ($63,250), 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 Harwood town, TX as Relatively Moderate (composite score 85.7), which is elevated versus much of the country. The strongest component scores on US5 are flood (90.4) and hurricane (88.7). 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 Harwood town, TX show little to no average snow and around 35.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 66 for ZIP 78632 (Harwood town, 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.