ZIP Code 76082 — Carter CDP, TX Demographics & Data

ZIP code 76082 covers Carter, TX in Parker County with a population of about 24,338.

At a glance, the area shows median age of 37.7 (near the U.S. median).

It sits in telephone area codes 682, 817; U.S. House district TX-12; the DALLAS - FT. WORTH media market.

Median household income in ZIP 76082 is about $93,553 — about 24% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.9%; unemployment rate near 4.5%; 15.6% of adults with a bachelor’s degree or higher (about 18.1 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Manufacturing; about 8.1% of workers reporting work-from-home (about 7.1 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 $277,900 — about 20% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $961 (about 17% below the U.S. median rent ($1,163)), and owner-occupancy near 85.6% (about 20.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76082 in Carter, TX, a household would need roughly $76,000 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 $1,785. That sits below the local median household income ($93,553), 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 Carter CDP, TX as Relatively Moderate (composite score 81.1), which is elevated versus much of the country. The strongest component scores on US5 are wildfire (96.2) and flood (72.4). 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 Carter CDP, TX show little to no average snow and around 35.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,148 for ZIP 76082 (Carter CDP, 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.