ZIP Code 75414 — Bells town, TX Demographics & Data

ZIP code 75414 covers Bells, TX in Grayson County with a population of about 3,417.

At a glance, the area shows median age of 38.3 (near the U.S. median).

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

Median household income in ZIP 75414 is about $84,685 — about 13% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 7.5%; 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 Healthcare, Manufacturing, and Retail trade; about 13.8% of workers reporting work-from-home (about 1.4 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 $223,100 — about 36% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $592 (about 49% below the U.S. median rent ($1,163)), and owner-occupancy near 80.3% (about 14.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 75414 in Bells, TX, a household would need roughly $61,000 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 $1,433. That sits below the local median household income ($84,685), 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 Bells town, 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 Bells town, TX show little to no average snow and around 44.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 161 for ZIP 75414 (Bells 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.