ZIP Code 75092 — Sherman city, TX Demographics & Data

ZIP code 75092 covers Sherman, TX in Grayson County with a population of about 27,372.

At a glance, the area shows median age of 41.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 430, 903; U.S. House district TX-4; the SHERMAN - ADA media market.

Median household income in ZIP 75092 is about $67,160 — about 11% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.4%; unemployment rate near 2.3%; 29.9% of adults with a bachelor’s degree or higher (about 3.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Manufacturing; about 10.6% of workers reporting work-from-home (about 4.6 points below 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 $260,100 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,028 (about 12% below the U.S. median rent ($1,163)), and owner-occupancy near 57.0% (about 8.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75092 in Sherman, TX, a household would need roughly $72,000 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 $1,671. That is roughly in line with the local median household income ($67,160). 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 Sherman city, TX as Relatively Low (composite score 80.3), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (86.0) and flood (79.5). 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 Sherman city, TX show little to no average snow and around 44.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,291 for ZIP 75092 (Sherman city, 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.