ZIP Code 76271 — Gunter city, TX Demographics & Data

ZIP code 76271 covers Gunter, TX in Grayson County with a population of about 1,864.

At a glance, the area shows median age of 48.6 versus a U.S. median of about 38.9.

It sits in telephone area code 940; U.S. House district TX-4; the SHERMAN - ADA media market.

Median household income in ZIP 76271 is about $85,682 — about 14% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.6%; unemployment rate near 2.5%; 27.9% of adults with a bachelor’s degree or higher (about 5.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Construction, and Education; about 10.3% of workers reporting work-from-home (about 4.8 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 $323,800 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,345 (about 16% above the U.S. median rent ($1,163)), and owner-occupancy near 77.0% (about 11.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76271 in Gunter, TX, a household would need roughly $89,000 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 $2,080. That is roughly in line with the local median household income ($85,682). 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 Gunter city, 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 Gunter city, TX show little to no average snow.

IRS migration statistics show a net inflow of about 88 for ZIP 76271 (Gunter 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.