ZIP Code 75154 — Red Oak city, TX Demographics & Data

ZIP code 75154 covers Red Oak, TX in Ellis County with a population of about 50,178.

At a glance, the area shows median age of 37.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 214, 469, 945, 972; U.S. House district TX-6; the DALLAS - FT. WORTH media market.

Median household income in ZIP 75154 is about $96,150 — about 28% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.2%; unemployment rate near 5.6%; 31.0% of adults with a bachelor’s degree or higher (about 2.7 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Healthcare, and Education; about 14.2% of workers reporting work-from-home (about 1.0 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 $296,000 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,219 (about 5% above the U.S. median rent ($1,163)), and owner-occupancy near 83.7% (about 18.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75154 in Red Oak, TX, a household would need roughly $81,000 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 $1,901. That sits below the local median household income ($96,150), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Red Oak city, TX as Relatively Moderate (composite score 81.6), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (86.1) and flood (83.5). 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 Red Oak city, TX show little to no average snow and around 40.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,367 for ZIP 75154 (Red Oak 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.