76401 receives the higher standardized Area Score. That reflects AreaProfile's weighting, not a judgment about which place is better to live in.
Signals
76401
78028
Opportunity
67 · Top 25%
vs66 · Top 28%
Growth
45 · Bottom 41%
vs54 · Top 45%
Climate
60 · Bottom 14%
vs76 · Top 27%
Physical resilience
70 · Top 35%
vs48 · Bottom 40%
Housing affordability
73 · Bottom 39%
vs74 · Bottom 41%
Schools
81 · Top 12%
vs73 · Top 22%
Access
59 · Bottom 6%
vs66 · Bottom 9%
Economic stability
49 · Bottom 31%
vs43 · Bottom 23%
Measured values
| Metric | 76401 | 78028 | Source period |
|---|---|---|---|
| Population | 31,375 | 41,206 | 2024 ACS 5-Year |
| Median household income | $61,210 | $66,991 | 2024 ACS 5-Year |
| Per capita income | $32,513 | $39,905 | 2024 ACS 5-Year |
| Population density | 76/sq mi | 156/sq mi | 2024 ACS 5-Year |
| Median home value | $270,000 | $323,200 | 2024 ACS 5-Year |
| Median gross rent | $1,162 | $1,138 | 2024 ACS 5-Year |
| Homeownership rate | 55.9% | 67.1% | 2024 ACS 5-Year |
| Unemployment rate | 4.4% | 4.2% | June 2026 |
| Employment change (year over year) | 3.8% | 0.3% | June 2026 |
| Bachelor's degree or higher | 34.1% | 32.4% | 2024 ACS 5-Year |
| Poverty rate | 16.9% | 11.1% | 2024 ACS 5-Year |
| Housing units permitted (12 months) | 30 | 133 | 12 months ending July 2026 |
| Permits per 1,000 residents | 1.4 | 5.4 | 12 months ending July 2026 |
| Permit change (year over year) | -67.0% | -71.0% | 12 months ending July 2026 |
| Average July high | 97°F | 92°F | 1991-2020 Normals |
| Average January low | 31°F | 34°F | 1991-2020 Normals |
| Annual precipitation | 34.1" | 30.6" | 1991-2020 Normals |
| Distance to major airport | 72 mi | 54 mi | NASR current cycle |
| Average commute | 19.5 min | 20.4 min | 2024 ACS 5-Year |
| Median age | 29.7 | 48.8 | 2024 ACS 5-Year |
| Public schools | 11 | 9 | 2024-25 school year |
| Students per teacher | 13.21 | 15.49 | 2024-25 school year |
| Math proficiency | 57.2% | 51.4% | 2019-20 school year |
| Reading proficiency | 48.1% | 50.4% | 2019-20 school year |
| Free or reduced-price lunch eligibility | 46.6% | 55.4% | 2024-25 school year |
A bolded value is the more favorable of the two where the metric has a clear direction. Metrics like population and density have no inherent better or worse and are shown unweighted.
Physical risk tradeoff
76401
Elevated or high exposure: wildfire, tornado.
78028
No hazard reaches elevated exposure.
Full profiles: 76401 — Stephenville, TX · 78028 — Kerrville, TX · How this is calculated: methodology