Signals
78015
38138
Opportunity
75 · Top 13%
vs69 · Top 21%
Climate
73 · Top 38%
vs68 · Bottom 42%
Physical resilience
55 · Bottom 46%
vs49 · Bottom 40%
Housing affordability
100 · Top 10%
vs98 · Top 13%
Schools
84 · Top 9%
vs84 · Top 8%
Access
89 · Bottom 38%
vs98 · Top 22%
Economic stability
78 · Top 15%
vs72 · Top 26%
Measured values
| Metric | 78015 | 38138 | Source period |
|---|---|---|---|
| Population | 24,867 | 25,167 | 2024 ACS 5-Year |
| Median household income | $162,487 | $136,297 | 2024 ACS 5-Year |
| Per capita income | $70,820 | $70,818 | 2024 ACS 5-Year |
| Population density | 960/sq mi | 2,121/sq mi | 2024 ACS 5-Year |
| Median home value | $492,400 | $430,200 | 2024 ACS 5-Year |
| Median gross rent | $2,060 | $1,726 | 2024 ACS 5-Year |
| Homeownership rate | 93.8% | 79.8% | 2024 ACS 5-Year |
| Unemployment rate | 4.1% | 3.1% | June 2026 |
| Employment change (year over year) | -1.0% | -1.8% | June 2026 |
| Bachelor's degree or higher | 62.1% | 69.1% | 2024 ACS 5-Year |
| Poverty rate | 2.9% | 3.6% | 2024 ACS 5-Year |
| Average July high | 95°F | 92°F | 1991-2020 Normals |
| Average January low | 41°F | 33°F | 1991-2020 Normals |
| Annual precipitation | 32.4" | 54.9" | 1991-2020 Normals |
| Distance to major airport | 18 mi | 10 mi | NASR current cycle |
| Average commute | 32.9 min | 22.3 min | 2024 ACS 5-Year |
| Median age | 38.8 | 44.6 | 2024 ACS 5-Year |
| Public schools | 2 | 6 | 2024-25 school year |
| Math proficiency | 60.1% | 45.5% | 2019-20 school year |
| Reading proficiency | 63.1% | 49.4% | 2019-20 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.
Texas and Tennessee do not give the same test. Each state writes its own assessment and sets its own passing score, so the two proficiency rows above are not directly comparable — the difference between them partly measures which standard is harder. Students per teacher and the school count are unaffected, and each profile ranks its own proficiency within its own state.
Physical risk tradeoff
78015
Elevated or high exposure: hail.
38138
Elevated or high exposure: tornado, earthquake.
Full profiles: 78015 — Fair Oaks Ranch, TX · 38138 — Germantown, TN · How this is calculated: methodology