ZIP Code 75078 — Prosper town, TX Demographics & Data

ZIP code 75078 covers Prosper, TX in Collin County with a population of about 46,857.

At a glance, the area shows median age of 36.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 214, 469, 945, 972; U.S. House district TX-3; the DALLAS - FT. WORTH media market.

Prosper, TX aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 75078 is about $187,634 — about 150% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 4.5%; 63.0% of adults with a bachelor’s degree or higher (about 29.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Finance and insurance, and Healthcare; about 32.5% of workers reporting work-from-home (about 17.3 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $650,600 — about 87% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,055 (about 77% above the U.S. median rent ($1,163)), and owner-occupancy near 89.0% (about 23.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75078 in Prosper, TX, a household would need roughly $179,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $4,179. That is roughly in line with the local median household income ($187,634). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Prosper town, TX as Relatively High (composite score 98.9), which is among the highest nationally. The strongest component scores on US5 are flood (96.8) and wildfire (81.0). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Prosper town, TX show little to no average snow.

IRS migration statistics show a net inflow of about 2,210 for ZIP 75078 (Prosper town, TX) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.