ZIP Code 75189 — Royse City city, TX Demographics & Data

ZIP code 75189 covers Royse City, TX in Rockwall County with a population of about 44,348.

At a glance, the area shows median age of 34.0 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.

Median household income in ZIP 75189 is about $118,105 — about 57% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.1%; unemployment rate near 3.3%; 29.8% of adults with a bachelor’s degree or higher (about 3.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 14.6% of workers reporting work-from-home (roughly in line with 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 $336,000 — about 3% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,855 (about 60% above the U.S. median rent ($1,163)), and owner-occupancy near 89.1% (about 23.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75189 in Royse City, TX, a household would need roughly $92,000 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 $2,158. That sits below the local median household income ($118,105), 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 Royse City city, TX as Relatively Low (composite score 70.7), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (66.6) and flood (61.3). 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 Royse City city, TX show little to no average snow and around 39.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 2,092 for ZIP 75189 (Royse City 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.