ZIP Code 76249 — Krum city, TX Demographics & Data

ZIP code 76249 covers Krum, TX in Denton County with a population of about 10,069.

At a glance, the area shows median age of 37.9 (near the U.S. median).

It sits in telephone area code 940; U.S. House district TX-13; the DALLAS - FT. WORTH media market.

Median household income in ZIP 76249 is about $111,263 — about 48% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.0%; unemployment rate near 2.5%; 32.8% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Manufacturing; about 14.8% 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 $304,300 — about 13% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,402 (about 21% above the U.S. median rent ($1,163)), and owner-occupancy near 82.8% (about 17.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76249 in Krum, TX, a household would need roughly $84,000 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 $1,955. That sits below the local median household income ($111,263), 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 Krum city, TX as Relatively High (composite score 96.9), which is among the highest nationally. The strongest component scores on US5 are flood (95.7) and wildfire (93.0). 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 Krum city, TX show little to no average snow and around 35.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 475 for ZIP 76249 (Krum 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.