The U.S. ZIP Code 78644 is associated with Lockhart, TX in Caldwell County. About 19.3% of residents in ZIP Code 78644 are aged 62 years and older, and the region has a median age of 39.8 years. It is estimated that about 15.6% of residents in this Texas region hold a bachelor's degree or higher, while the per capita income is approximately $26,820. Median househould income is approximately $57,637, and an estimated 11% of the population is living below the poverty line. The current population estimate for this region is 18,390.
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The median household income in ZIP Code 78644 is $57,637, while the region's mean household income is $78,070. Breaking income down further, per capita income in the region is $26,820. The per capita income in ZIP Code 78644 of $26,820 is approximately 14.25% less than the per capita income in the U.S. overall of $31,277. An estimated 10.5% of the population is living below the poverty line in this region. This rate is approximately10.53% higher than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 22.0% of the population in 78644 earn $50,000 to $74,999 per year, while an estimated 15.8% earn $75,000 to $99,999 per year, and 4.6% of 78644 residents earn $150,000 to $199,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 5.8% |
| $10,000 to $14,999 per year | 4.9% |
| $15,000 to $24,999 per year | 6.4% |
| $25,000 to $34,999 per year | 10.3% |
| $35,000 to $49,999 per year | 12.8% |
| $50,000 to $74,999 per year | 22.0% |
| $75,000 to $99,999 per year | 15.8% |
| $100,000 to $149,999 per year | 12.6% |
| $150,000 to $199,999 per year | 4.6% |
| $200,000 or more per year | 4.9% |
Residents of ZIP Code 78644 are older than average. The median age of 39.8 years in ZIP Code 78644 is approximately 4.46% higher than the overall median age in the U.S. of 38.1 years. About 77.8% of residents are aged 18 years and older, and 19.3% of residents are 62 years and over. Approximately 13.9% of the population in 78644 falls in the age group 35 to 44 years, while an estimated 13.9% are aged 25 to 34 years. On the low end of the scale, 1.9% of 78644 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 4.2% |
| 5 to 9 years | 6.0% |
| 10 to 14 years | 7.3% |
| 15 to 19 years | 5.9% |
| 20 to 24 years | 5.7% |
| 25 to 34 years | 13.9% |
| 35 to 44 years | 13.9% |
| 45 to 54 years | 12.7% |
| 55 to 59 years | 7.9% |
| 60 to 64 years | 7.0% |
| 65 to 74 years | 9.6% |
| 75 to 84 years | 4.0% |
| 85 years and over | 1.9% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 78644 is current access to health insurance, as an estimated 73.3% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 78644 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 73.3% |
| Risk Behavior | Percent of adults* |
|---|
In ZIP Code 78644, 81.1% of the population graduated high school, while 15.6% have a bachelor's degree or higher. In this region, 6.9% achieved an education level less than 9th grade, while 4.6% hold a graduate or professional degree. Approximately 39.6% in this Caldwell County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 6.9% |
| 9th to 12th grade, no diploma | 12.0% |
| High school graduate (includes equivalency) | 39.6% |
| Some college, no degree | 21.8% |
| Associate's degree | 4.0% |
| Bachelor's degree | 11.0% |
| Graduate or professional degree | 4.6% |
Looking at race in the population that makes up ZIP Code 78644, 98.8% is one race, while 1.2% are two or more races. Approximately 49.8% of 78644 residents are hispanic or Latino (of any race). The most common race in 78644 (race alone or in combination with one or more other races), is White (81.0%), followed by Some other race (10.6%) .
| Industry | Percent |
|---|---|
| White | 81.0% |
| Black or African American | 6.6% |
| American Indian and Alaska Native | 0.9% |
| Asian | 2.2% |
| Native Hawaiian and Other Pacific Islander | 0.1% |
| Some other race | 10.6% |
In ZIP Code 78644, 68.2% of the population lists "English only" as the language spoken in home, while 30.0% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.4% of homes, and other Indo-European languages are spoken in 0.0% of homes. Lastly, 0.3% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Caldwell County region.
| Language Spoken | Percent |
|---|---|
| English only | 68.2% |
| Spanish | 30.0% |
| Other Indo-European languages | 1.4% |
| Asian and Pacific Islander languages | 0.0% |
| Other languages | 0.3% |
Regarding the age of homes in ZIP Code 78644, an estimated 18.4% of homes were built between 2000 and 2009. Additionally, 17.5% of homes in the region were built between 1980 and 1989, while an estimated 2.8% of homes were built between 2010 and 2013 in this Caldwell County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 3.7% |
| Built between 2010 and 2013 | 2.8% |
| Built between 2000 and 2009 | 18.4% |
| Built between 1990 and 1999 | 14.8% |
| Built between 1980 and 1989 | 17.5% |
| Built between 1970 and 1979 | 12.3% |
| Built between 1960 and 1969 | 8.2% |
| Built between 1950 and 1959 | 10.4% |
| Built between 1940 and 1949 | 3.3% |
| Built in 1939 or earlier | 8.7% |
Regarding solar power potential, ZIP Code 78644 has an average daily solar radiation level of 5.37 kWh/m2/day. This is approximately 30.34% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 18.51% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 78644 | 10.66¢/kWh | 9.33¢/kWh | 6.94¢/kWh |
| Texas | 14.68¢/kWh | 8.6¢/kWh | 6.59¢/kWh |
| United States | 15.95¢/kWh | 12.89¢/kWh | 8.32¢/kWh |
| Month | ZIP Code 78644 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 4.93 | 1.9 | 5.84 |
| Feb | 4.7 | 3 | 6.31 |
| Mar | 5.27 | 3.65 | 7.02 |
| Apr | 5.55 | 5.13 | 7.3 |
| May | 5.56 | 5.17 | 7.13 |
| Jun | 5.71 | 5.72 | 6.95 |
| Jul | 5.76 | 6.22 | 6.51 |
| Aug | 6.09 | 6.08 | 6.65 |
| Sep | 5.93 | 5.15 | 7.02 |
| Oct | 5.74 | 3.32 | 6.92 |
| Nov | 4.81 | 2.33 | 5.99 |
| Dec | 4.43 | 1.78 | 5.46 |
In 78644, 54.8% of the population is in the labor force. Recent estimates place 4.9% as working from home, while the total labor force in the region has a mean travel to time to work of 32.1 minutes. Approximately 18.5% of the employed population 16 years and over in 78644 work in educational services, and health care and social assistance, while an estimated 14.3% work in construction. On the lower end of the scale, just 1.1% of 78644 workers 16 years and over work in information.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 1.6% |
| Construction | 14.3% |
| Manufacturing | 8.3% |
| Wholesale trade | 2.5% |
| Retail trade | 13.5% |
| Transportation and warehousing, and utilities | 4.2% |
| Information | 1.1% |
| Finance and insurance, and real estate and rental and leasing | 5.9% |
| Professional, scientific, management, and administrative | 8.8% |
| Educational services, and health care and social assistance | 18.5% |
| Arts, entertainment, and recreation, and accommodation and food services | 7.2% |
| Other services, except public administration | 4.8% |
| Public administration | 9.5% |
Regarding consumer complaints about financial products in ZIP Code 78644, credit reporting or other personal consumer reports have received the most complaints in 78644 in the past 12 months. Credit reporting or credit repair services received the second most complaints. The most frequent complaint overall in this Caldwell County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or other personal consumer reports | 41 |
| Credit reporting or credit repair services | 20 |
| Debt collection | 13 |
| Credit card or prepaid card | 2 |
| Money transfer, virtual currency, or money service | 2 |
| Other | 4 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 22 |
| Problem with a company's investigation into an existing problem | 18 |
| Improper use of your report | 14 |
| Attempts to collect debt not owed | 7 |
| Problem with a credit reporting company's investigation | 7 |
| Other | 14 |