ZIP Code 76364 — Harrold CDP, TX Demographics & Data

ZIP code 76364 covers Harrold, TX in Wilbarger County with a population of about 222.

At a glance, the area shows median age of 41.9 versus a U.S. median of about 38.9.

It sits in telephone area code 940; U.S. House district TX-13; the WICHITA FALLS & LAWTON media market.

Median household income in ZIP 76364 is about $102,500 — about 36% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 11.3%; unemployment rate near 5.5%; 41.8% of adults with a bachelor’s degree or higher (about 8.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Education, and Manufacturing; a mean commute of about 115.0 minutes (U.S. average near 26.8).

Median home value is about $80,800 — about 77% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,667 (about 43% above the U.S. median rent ($1,163)), and owner-occupancy near 71.3% (about 5.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 76364 in Harrold, TX, a household would need roughly $22,000 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 $519. That sits below the local median household income ($102,500), 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 Harrold CDP, TX as Relatively Low (composite score 46.1), which is near the middle of the national distribution. The strongest component scores on US5 are wildfire (63.5) and hurricane (29.3). 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 Harrold CDP, TX show little to no average snow.

IRS migration statistics show a net inflow of about 10 for ZIP 76364 (Harrold 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.