ZIP Code Tabulation Area

78154

Schertz, TX · ACS 2020–2024

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Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
41,907
Median household income
$100,572
People below poverty
6.3%
Median home value
$318,700

Income

The median income of households in 78154 was $100,572. An estimated 2.9% of households had income below $10,000 a year and 13.1% had income of $200,000 or more.

Household Income in 78154 in 2020-2024

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Percent
Less than $10,000 2.9
$10,000 to $14,999 1.3
$15,000 to $24,999 3.6
$25,000 to $34,999 6.8
$35,000 to $49,999 6.3
$50,000 to $74,999 13.9
$75,000 to $99,999 14.9
$100,000 to $149,999 23.6
$150,000 to $199,999 13.7
$200,000 or more 13.1

Median Earnings for Full-Time Year-Round Workers by Sex in 78154 in 2020-2024

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Dollars
Male 70508
Female 58858

An estimated 81.3% of households received earnings. An estimated 27.5% of households received Social Security and an estimated 30.1 % of households received retirement income other than Social Security. The average income from Social Security was $23,730. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 78154 in 2020-2024

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Percent
Earnings 81.3
Social Security 27.5
Retirement income 30.1
Supplemental Security Income (SSI) 3.5
Cash public assistance income 1.3

Poverty and Participation in Government Programs

In 2020-2024, 6.3 % of people were in poverty. An estimated 9.4% of children under 18 were below the poverty level, compared with 5.6% of people 65 years old and over. An estimated 5.4% of people 18 to 64 years were below the poverty level.

Poverty Rates in 78154 in 2020-2024

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Percent
People in poverty 6.3
Children under 18 years below poverty 9.4
People 65 years old and over below poverty 5.6
People 18 to 64 years below poverty 5.4

In 2020-2024, 6.6 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 62.4% of households that received SNAP had children under 18, and 43.5% of households that received SNAP had one or more people 60 years and over. An estimated 39.2% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 78154 in 2020-2024, 92.4% had health insurance coverage and 7.6% did not have health insurance coverage. Private coverage was 82.6% and public coverage was 25.6%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 5.3%.


In 2020-2024, 78154 had a total population of 41,907 - 21,124 (50.4%) females and 20,783 (49.6%) males. The median age was 38.9 years. An estimated 22.2% of the population was under 18 years, 33.8% was 19 to 44 years, 28.2% was 45 to 64 years, and 13.1 % was 65 years and older.

Population by Age and Sex for 78154 in 2020-2024

Male Female
Under 5 1214 965
5 to 9 1478 1302
10 to 14 1235 1191
15 to 19 1719 1290
20 to 24 1371 1121
25 to 29 1664 1111
30 to 34 1269 1516
35 to 39 1480 1497
40 to 44 1513 1638
45 to 49 1306 1280
50 to 54 1054 1563
55 to 59 1757 2025
60 to 64 1379 1476
65 to 69 913 1232
70 to 74 691 665
75 to 79 475 593
80 to 84 146 409
85 and over 119 250

Hispanic Origin and Race

For people reporting one race alone, 51.5% were White; 16.6% were Black or African American; 6.8% were American Indian and Alaska Native; 2% were Asian; 4.2% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 23.4% reported Two or More Races. An estimated 33.2% of the people in 78154 were Hispanic or Latino. An estimated 44% of the people in 78154 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 15,558 households in 78154. The average household size was 2.67 people.

Married-couple households made up 58.4% of the households in 78154 while cohabiting couple households made up 6% of households. Female householders with no spouse or partner present were 23.8% of all households, while 11.8% of households had male householders with no spouse or partner present. Some households had one person, as 7.2% of households were male householders living alone, and 13.6% were female householders living alone, for a total of 20.8% of all households.

In 78154, 36.5% of all households had one or more people under the age of 18; 24.7% of all households had one or more people 65 years and over.

Types of Households in 78154 in 2020-2024

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Percent
Married-couple households 58.4
Cohabiting Couples 6
Male Householder
No spouse/partner present
11.8
Female Householder
No spouse/partner present
23.8

Marital Status

Among persons 15 and older, 56.8% of males and 53% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 33.3 23
Now married, except separated 56.8 53
Separated 1.8 2.4
Widowed 2.2 7.5
Divorced 5.9 14.1

Grandparents and Grandchildren

In 78154, 651 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 31.3% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 92.7% of the people living in 78154 were U.S. natives. 48.8% of the 78154 population were living in the state where they were born.

Approximately 7.3% of 78154 residents in 2020-2024 were foreign-born. 66% of foreign-born were naturalized U.S. citizens and an estimated 75.7 % entered the country before the year 2010.

Foreign-born residents of 78154 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 78154.

Region of Birth for the Foreign-Born Population in 78154 in 2020-2024

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Percent
Latin America 63.5
Asia 21.7
Europe 12.1
Africa 1.8
Northern America 0.5
Oceania 0.3

Language

Among people at least five years old living in 78154 in 2020-2024, 18.9 % spoke a language other than English at home. Spanish was spoken by 16.2% of people at least five years old; 4.6% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 78154 in 2020-2024

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Percent
Spanish 16.2
Other Indo-European languages 1.3
Asian and Pacific Islander languages 1.3
Other languages 0.1

Geographic Mobility

In 2020-2024, 88 % of the people at least one year old living in 78154 were living in the same house one year earlier.

Geographic Mobility of Residents of 78154 in 2020-2024

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Percent
Same house 88
Different house, same county 3.2
Different county, same state 6.7
Different state 1.8
Abroad 0.2

Education

In 2020-2024, 93.5 % of people 25 years and over had at least graduated from high school and 39.2% had a bachelor's degree or higher. An estimated 6.5% did not complete high school.

The total school enrollment in 78154 was 10,538 in 2020-2024. Nursery school enrollment was 688 and kindergarten through 12th grade enrollment was 7,085. College or graduate school enrollment was 2,765.

Educational Attainment of People in 78154 in 2020-2024

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Percent
Less than high school diploma 6.5
High school diploma or equivalency 22.1
Some college, no degree 21.2
Associate's degree 11
Bachelor's degree 23.7
Graduate or professional degree 15.5

Disability

In 78154, among the civilian noninstitutionalized population in 2020-2024, 13.6 % reported a disability. The likelihood of having a disability varied by age - from 4.8% of people under 18 years old, to 12.5% of people 18 to 64 years old, and to 34.6% of those 65 and over.


Employment Status and Type of Employer

In 78154, 61.6 % of the population 16 and over were employed; 31.3% were not currently in the labor force.

An estimated 71% of the people employed were private wage and salary workers; 21.4% were federal, state, or local government workers; and 7.5 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 14,773 71
Federal, state, or local government workers 4,456 21.4
Self-employed workers in own not incorporated business 1,554 7.5

Industries

In 2020-2024, the civilian employed population 16 years and older in 78154 worked in the following industries:

Percent by Industry in 78154 in 2020-2024

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Percent
Agriculture, forestry, fishing and hunting, and mining 0.7
Construction 6
Manufacturing 6
Wholesale trade 2.5
Retail trade 13.1
Transportation and warehousing, and utilities 8.8
Information 1.4
Finance and insurance, and real estate and rental and leasing 8
Professional, scientific, and management, and administrative and waste management services 12.5
Educational services, and health care and social assistance 20.4
Arts, entertainment, and recreation, and accommodation, and food services 6.8
Other Services, except public administration 5.1
Public administration 8.5

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 78154 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 8,977 43.2
Service occupations 3,126 15
Sales and office occupations 4,966 23.9
Natural resources, construction, and maintenance occupations 1,228 5.9
Production, transportation, and material moving occupations 2,504 12

Commuting to Work

An estimated 70.8% of 78154 workers drove to work alone in 2020-2024, and 8.9% carpooled. Among those who commuted to work, it took them on average 28.8 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 78154 in 2020-2024

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Percent
Car, truck, van -- drove alone 70.8
Car, truck, van -- carpooled 8.9
Public transportation (excluding taxicab) 0
Walked 0.8
Other means 1.2
Worked from home 18.4

In 2020-2024, 78154 had a total of 16,332 housing units. Of these housing units, 80.8% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 15.5% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 3.6% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 78154 in 2020-2024

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Percent
Single-family houses 80.8
Apartments in multi-unit structures 15.5
Mobile homes 3.6
Boat, RV, van, etc 0.1

31.4% of the housing inventory was comprised of houses built since 2010, while 0.2% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 78154 was 6.3 rooms, and of these housing units 83.1% had three or more bedrooms.


In 2020-2024, 78154 had 15,558 housing units that were occupied or had people living in them, while the remaining 774 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 72.4% while renters occupied 27.6%. The average household size of owner-occupied houses was 2.73 and in renter-occupied houses it was 2.5.

3.3% of householders of these occupied houses had moved into their house since 2021, while 4.4% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 1.5% and another 24.1% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 78154:

House Heating Fuel Used in 78154 in 2020-2024

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Percent
Gas 14.7
Electricity 84.8
Fuel oil, kerosene, etc 0.1
All other fuels 0.1
No fuel used 0.3

In 2020-2024, the median property value for owner-occupied houses in 78154 was $318,700.

Of the owner-occupied households, 68.4 % had a mortgage. 31.6% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $2,104 and for owners without a mortgage it was $718.

For renter-occupied houses, the median gross rent for 78154 was $1,671. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.