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ZIP Code 78644

Caldwell, Texas

FIPS 78644

Juniper

ZIP Code 78644 is in the top 19% nationally for HPI growth 5yr %, but in the bottom 30% nationally for price-to-income ratio. It also sits in the 70th percentile nationally for median rent. And it sits in the 67th percentile nationally for median home value.

Median Home Value

$279,800

Higher than 67% of U.S. ZIP codes

HPI Growth 5yr %

56%

Higher than 81% of U.S. ZIP codes

FEMA Risk Score

76.1

Higher than 65% of U.S. ZIP codes

The basics

Total Population

22,348

Median Age

39.2

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$279,800

Higher than 67%

Median Property Tax

$4,204

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.75

Higher than 70%

Median Rent

$1,155

Higher than 70%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

56%

Higher than 81%

Appreciation 1yr %

0.05%

Higher than 66%

Pandemic Gain %

63%

Recession Drop %

-0.42%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

96.2

Winter Avg Low (°F)

41.2

Avg Temperature (°F)

69.4

Hot Days/yr (>90°F)

118

Freezing Days/yr (<32°F)

29

Annual Precipitation (in)

35.9

Annual Snowfall (in)

0.1

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

76.1

Higher than 65%

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 78644: frequently asked questions

What is the median home value in ZIP Code 78644?
The median home value in ZIP Code 78644 is $279,800, higher than 67% of U.S. ZIP codes.
How much is property tax in ZIP Code 78644?
The median annual property tax in ZIP Code 78644 is $4,204, an effective rate of 1% of home value.
Is ZIP Code 78644 expensive to live in?
Homes in ZIP Code 78644 cost about 3.75× the median household income, higher than 70% of U.S. ZIP codes.
What is the average rent in ZIP Code 78644?
The median gross rent in ZIP Code 78644 is $1,155 a month, higher than 70% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 78644?
Home prices in ZIP Code 78644 have moved 56% over the past five years (0.05% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 78644?
ZIP Code 78644 averages 69.4°F year-round, summer highs near 96.2°F, winter lows around 41.2°F (NOAA 1991–2020 normals). It sees about 0.1 inches of snow a year.
Is ZIP Code 78644 at risk of flooding or natural disasters?
ZIP Code 78644's FEMA National Risk Index score is 76.1 (higher than 65% of U.S. ZIP codes). Its greatest modeled natural hazard is tornado.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →