ZIP Code 75146 — Lancaster city, TX Demographics & Data

ZIP code 75146 covers Lancaster, TX in Dallas County with a population of about 25,804.

At a glance, the area shows median age of 33.7 versus a U.S. median of about 38.9.

It sits in telephone area codes 214, 469, 945, 972; U.S. House district TX-30; the DALLAS - FT. WORTH media market.

Median household income in ZIP 75146 is about $70,143 — about 7% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 20.4%; unemployment rate near 8.5%; 27.4% of adults with a bachelor’s degree or higher (about 6.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Transportation; about 7.3% of workers reporting work-from-home (about 7.9 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 $249,000 — about 28% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,271 (about 9% above the U.S. median rent ($1,163)), and owner-occupancy near 56.6% (about 8.8 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75146 in Lancaster, TX, a household would need roughly $69,000 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 $1,600. That is roughly in line with the local median household income ($70,143). 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 Lancaster city, TX as Very High (composite score 99.7), which is among the highest nationally. The strongest component scores on US5 are flood (99.6) and wildfire (80.3). 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 Lancaster city, TX show little to no average snow and around 40.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,217 for ZIP 75146 (Lancaster 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.