ZIP Code 78728 — Austin city, TX Demographics & Data

ZIP code 78728 covers Austin, TX in Travis County with a population of about 26,776.

At a glance, the area shows median age of 33.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 512, 737; U.S. House district TX-10; the AUSTIN media market.

Austin, TX sits in a university / college context (near galen health institutes-austin campus (1.6 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 78728 is about $74,048 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.8%; unemployment rate near 2.4%; 48.0% of adults with a bachelor’s degree or higher (about 14.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Retail trade, and Manufacturing; about 28.0% of workers reporting work-from-home (about 12.8 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 $392,600 — about 13% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,365 (about 17% above the U.S. median rent ($1,163)), and owner-occupancy near 28.7% (about 36.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 78728 in Austin, TX, a household would need roughly $108,000 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 $2,522. That is about 46% above the local median household income ($74,048), so the median earner would likely stretch or need a larger down payment. 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 Austin city, TX as Relatively High (composite score 97.7), which is among the highest nationally. The strongest component scores on US5 are flood (98.3) and wildfire (90.8). 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 Austin city, TX show little to no average snow and around 37.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,263 for ZIP 78728 (Austin 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.