ZIP 78015 vs ZIP 78006

78015 is one of 6 ZIP codes that lie mostly in Kendall County, TX — 47% of its own area is in the county.

Shaded by typical home value, it ranks 2 of the 4 with a value.

2 school locations in 78015: 2 elementary.

In alphabetical order: FAIR OAKS RANCH EL, VAN RAUB EL. Locations only — no ratings are shown here.

78006 is one of 6 ZIP codes that lie mostly in Kendall County, TX — 92% of its own area is in the county.

Shaded by typical home value, it ranks 3 of the 4 with a value.

13 school locations in 78006: 6 elementary, 3 middle, 4 high.

In alphabetical order: BOERNE ALTER SCH, BOERNE H S, BOERNE MIDDLE NORTH, BOERNE MIDDLE SOUTH, and more on the ZIP page. Locations only — no ratings are shown here.

In January 2000 the typical home in 78015 was worth $253,261.

Values peaked at $611,843 in August 2022. The latest reading is −2.6% from that peak.

As of August 2026: $596,161, +0.6% over twelve months.

Start with the typical home: $596,161. Put 20% down and borrow $476,929 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,302 a month in principal and interest.

The median household here earns $155,488 a year, $12,957 a month. So the payment takes 25.5% of income — rated “affordable” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 10.8% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,516.

In December 2020, with rates at 2.68%, it was $1,463.

By August 2026, at 6.67%, it was $3,067 — +110% since December 2020, while the home's value moved +32%.

Reported values rose +135% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $499,837. So the real change is +19%, not +135%.

78015: +70% since February 2009.

Kendall County: +97% since February 2009.

Texas: +109% since February 2009 — 78015 ran behind it by 39 points.

Against 1,763 Texas ZIP codes, 78015 sits at the 46th percentile for affordability (price vs local income).

58th for appreciation (recent value growth); 6th for rental yield (rent vs price).

Owning the typical home costs about $3,898 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,697 a month.

Price divided by a year's rent: 29.3. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

In January 2000 the typical home in 78006 was worth $218,786.

Values peaked at $619,686 in July 2022. The latest reading is −4.6% from that peak.

As of August 2026: $591,176, −0.7% over twelve months.

Start with the typical home: $591,176. Put 20% down and borrow $472,941 at 7.40%, the 30-year fixed average as of October 8, 2026.

That is $3,275 a month in principal and interest.

The median household here earns $110,955 a year, $9,246 a month. So the payment takes 35.4% of income — rated “stretched” (Lotvox ZIP bands: under 28% affordable · 28–36% stretched · 36%+ severe).

The line holds today's rate fixed and moves only the price: at that rate, the same share was 13.1% in 2000.

Take the typical home's price each month, borrow 80% at that month's actual 30-year average rate: in January 2000 (8.21%) the payment was $1,310.

In December 2020, with rates at 2.68%, it was $1,497.

By August 2026, at 6.67%, it was $3,041 — +103% since December 2020, while the home's value moved +28%.

Reported values rose +170% since January 2000.

General prices (CPI-U) rose +97% over the same span.

Divide one by the other: in August 2026 dollars, the 2000 home was worth $431,797. So the real change is +37%, not +170%.

78006: +100% since February 2009.

Kendall County: +97% since February 2009.

Texas: +109% since February 2009 — 78006 ran behind it by 9 points.

Against 1,763 Texas ZIP codes, 78006 sits at the 13th percentile for affordability (price vs local income).

41st for appreciation (recent value growth); 6th for rental yield (rent vs price).

Owning the typical home costs about $3,866 a month once taxes and insurance (estimated at 1.2% of price a year) are added. Renting runs about $1,418 a month.

Price divided by a year's rent: 34.7. Lotvox reads under 15 as favoring buying and 20 or more as favoring renting.

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 43 a month (Redfin, 3-month rolling data through August 2026). That is 72% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 139. That is 64% of the 2015–2019 level for the same months.

Going out — closed sales: about 39 a month. That is 77% of the 2015–2019 level for the same months.

The ladder: homes for sale ÷ monthly sales = 3.6 months of supply — below the 4–6 month range Lotvox treats as balanced. In the basin, that is the water level against the shaded balanced band.

The net reading: about 4 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 39 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 43 — so sales ran at 91% of it, and below it in 24 of the last 24 months.

Across Kendall County, builders pulled permits for 351 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

Picture the Listings Flow Ladder as a basin: new listings pour in from the faucet, the homes for sale are the water, and closed sales run out the drain. Coming in — new listings: about 115 a month (Redfin, 3-month rolling data through August 2026). That is 138% of the 2015–2019 level for the same months.

On the shelf — homes for sale at the end of the period: 441. That is 152% of the 2015–2019 level for the same months.

Going out — closed sales: about 95 a month. That is 147% of the 2015–2019 level for the same months. The drain is drawn 5% narrower: the share of homes for sale that sell each month is 95% of its 2015–2019 level.

The ladder: homes for sale ÷ monthly sales = 4.7 months of supply — inside the 4–6 month balanced range. In the basin, that is the water level against the shaded balanced band.

The net reading: about 20 more homes came on than sold each month, so inventory is growing. The basin is filling.

Homes sold: about 95 a month in August 2026 (Redfin).

The 2015–2019 level for the same month was 60 — so sales ran at 158% of it, and below it in 0 of the last 24 months.

Across Kendall County, builders pulled permits for 351 new homes in 2025.

Of those, 100% were in 1-unit buildings (the Census Bureau's category for detached and attached single homes).

This ZIP sits in Kendall County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,282 moved in. Among the ten receiving the most, 1,017 moved out.

Net across those counties: +265 households. Beside it, homes for sale in this ZIP: 139 in June 2026.

Most arrivals came from Bexar, TX (847 households); most departures went to Bexar, TX (568).

County assessor records list 4,675 properties with a market value here. Their average assessed market value is $518,000; the typical home value is $596,161.

The assessor average sits −13.1% from the market figure — an average against a typical value, so treat it as a check, not a verdict.

This ZIP sits in Kendall County. IRS tax returns for 2022-2023: among the ten counties sending the most households, 1,282 moved in. Among the ten receiving the most, 1,017 moved out.

Net across those counties: +265 households. Beside it, homes for sale in this ZIP: 441 in June 2026.

Most arrivals came from Bexar, TX (847 households); most departures went to Bexar, TX (568).

County assessor records list 1,266 properties with a market value here. Their average assessed market value is $612,970; the typical home value is $591,176.

The assessor average sits +3.7% from the market figure — an average against a typical value, so treat it as a check, not a verdict.